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GW - WORKED!!!! yeesssss

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Anonymous
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GW - WORKED!!!! yeesssss

Hi All

That you again for all the advice on the forum.  I sent out GW letters to an account that has been closed for about 4 years because I had like 5 late payments (some long ones).  I got a letter today saying they will be removed from the report and my account has been reopened!!!!  It took almost two months for them to respond but I am glad they did Smiley Happy

 

Right now my scores are 608 and 650 and the late payment were as follows...

 

30 days late 2 times 60 days late 1 time 90+ days late 3 times (Dec 2005, Nov 2005, Nov 2005)

 

What type of score increase should I see from this?  Also, I had the account reopened but I am never going to use it, do you think I should close it again or just keep it open?

Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: GW - WORKED!!!! yeesssss

Congrats. Very happy for you. It should definately see some improvement but there are other factors involved. If all things constant, then yes, it will improve your score and might even bump up quicker within the next 6-12 months.
Message 2 of 11
Junejer
Moderator Emeritus

Re: GW - WORKED!!!! yeesssss

Congrats guy. What type of account? Are there any other baddies on your CRs?






Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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Message 3 of 11
BungalowMo
Senior Contributor

Re: GW - WORKED!!!! yeesssss

"Also, I had the account reopened but I am never going to use it, do you think I should close it again or just keep it open?"

 

Keep it open! Even if you don't use it, it will add to your available credit, and add to your credit history.

 

Happy to hear they worked with you.  So many are such *%$&^*()*$#@  Smiley Mad

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 4 of 11
llecs
Moderator Emeritus

Re: GW - WORKED!!!! yeesssss

I'd keep it open for the history.
Message 5 of 11
Anonymous
Not applicable

Re: GW - WORKED!!!! yeesssss

How much of an increase did you recieve after they were removed?
Message 6 of 11
getting2work
Contributor

Re: GW - WORKED!!!! yeesssss

Congrats...gives me some hope!
Working on buying our first home!
10/15/2012 TU 680 EX 658 EQ 684
06/26/2009 TU 644 EX 601(fako) EQ 614
06/06/2009 TU 612 EX 526 (fako) EQ 614
05/01/2009 TU 594 EX ???? EQ 563
01/01/2009 TU 527 EX 453 (fako) EQ 477
Message 7 of 11
PayingTheBills
Frequent Contributor

Re: GW - WORKED!!!! yeesssss

What kind of card is it?

I would use it every couple months to ensure it doesn't get closed, assuming this account is older than your AAoA.


Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 8 of 11
LindaLu
Regular Contributor

Re: GW - WORKED!!!! yeesssss

Congrats to you!!  I am always happy to hear about success!

I have a question...did  you owe anything on the account?

Why did you close it?

Or did they close it?

I have similar situations but some are paid and some aren't..I just want some deleted and I wouldnt mind if they opened the others!

thanks for helping!

Message 9 of 11
Anonymous
Not applicable

Re: GW - WORKED!!!! yeesssss

Very niceSmiley Happy
Message 10 of 11
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