http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/569485#M82491 <hr><p>Any luck with americredit if any will like to know thankyou</p> <hr><p>This was the last GW letter I sent to AmeriCredit. They have agreed to remove the negatives I asked for.</p><p> </p><p>XXXXXX XXXXXXX, Executive Vice President</p><p>AmeriCredit Corporation</p><p>801 Cherry Street, Suite 3900</p><p>Fort Worth TX 76102</p><p> </p><p>Re: Account # XXXXXXXXXXXX</p><p> </p><p>Dear Mr.. XXXXXX,</p><p> </p><p>Thank you for taking a moment to read this.</p><p> </p><p>I am writing to ask you and AmeriCredit for a good will adjustment on my account. My auto loan was paid in full in November of 2007. I had, during the earlier days of the loan, a few 30-day late payments. They were my fault, the result of poor financial planning and foresight. I have, over the past several years, put my shoulder to the stone and worked very hard to pay all my debts on time. This was also the case with my account with your company. I was very proud of my progress toward becoming a credit worthy individual again. I was very much looking forward to my last payment.</p><p> </p><p>My heart sank when I got my final payment and it was nearly 5 times the normal payment. I called the customer service people and they explained how the late payments earlier in my payment history resulted in additional interest owed. The result was reflected in my final payment. I explained that the amount I was paying each month was all I could afford and asked if I might continue paying that amount each month until my debt was settled. It was agreed that that was acceptable and I paid the remaining balance over the next few months. As I paid off the remaining debt I accrued 30, 60, 90 and 120 day late reports on my trade line with AmeriCredit. I understand all of this is, technically, correct. Again, I am not disputing any of this.</p><p> </p><p>Mr.. XXXXXX, I am humbly asking for your help. Would you be willing to look at my account and offer me the courtesy of removing the late pay reports, due to the pay off arrangement, from my trade line? I know it is a lot to ask and it probably falls outside your normal business practices. I wouldn't ask if I weren't desperate. Without your assistance, all the hard work I have out into rebuilding my credit is negated by one payment reporting 120 days late. I am still, to this day, working diligently to be a credit worthy individual. My credit reports from the last several years are a testament to my efforts. Any accommodation or advice would be greatly appreciated.</p><p> </p><p>Very respectfully,</p><p> </p><p>CharlieBrown</p><p> </p><p> </p><p>Keep it real, keep it humble and most of all KEEP TRYING!</p><p> </p><p>Thanks again to all of you for your guidance and hope.</p><p> </p><p>CB</p><p> </p><p> </p> Tue, 08 Sep 2009 18:34:13 GMT charliebrown1370 2009-09-08T18:34:13Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236883#M3088 <div>I think Im going to set one day a week where I type up GW letters and send them out weekly... is that too much! Do you think they will be sick and tired of hearing from me after 52 letters? It will be easy enough to print them up... I could even do lables for the envelopes. .... ummm who wants to join me? It could be a GW support group. he he he</div> Tue, 13 May 2008 14:24:12 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236883#M3088 Jesedmotherof5 2008-05-13T14:24:12Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236912#M3092 <div></div><div><br></div><blockquote><div><hr>Jesedmotherof5 wrote:<br><div>I think Im going to set one day a week where I type up GW letters and send them out weekly... is that too much! Do you think they will be sick and tired of hearing from me after 52 letters? It will be easy enough to print them up... I could even do lables for the envelopes. .... ummm who wants to join me? It could be a GW support group. he he he</div><br><hr></div></blockquote><div>We need a name for this group......How do these sound?</div><div> </div><div>Goodwill Hunting - a nice play off the movie. We could cast Matt Damon as our spokesperson.</div><div> </div><div>Organization for Goodwill Policy (OGP) - Public lobbying firm; have contacts here in DC and Congress.</div><div> </div><div>Society for GW Reform  (SGWR)</div><div> </div><div>Get 'Er Done GW Optimist Club (GEDGWOC)</div><div> </div><div>The County Lockup GW Club - For those of us who violated restaining orders for GWing too much.</div><div> </div><div>Or how about the IOASOGWWNTNFAAAWBDUOCIF.............the International Organization and Society of GWrs Who Never Take &quot;No&quot; For An Answer and Won't Be Denied Until Our Credit Is Fixed. Almost catchy, but not quite.</div><div><br> </div><div></div> Tue, 13 May 2008 15:04:22 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236912#M3092 llecs 2008-05-13T15:04:22Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236951#M3098 <div>I work on repairing my credit at least one day a week.  So, count me in!</div><div> </div><div>I have a success.  ON 5/2 I sent a GW letter to OC, stating it wasn't my account, opened under false pretense, I want proof of signature of who opened the account in my name.</div><div> </div><div>On, 5/10 - I received a letter in return, stating that they found that the account was not mine, and they would have it removed from cr.  THIS is huge!  This account had a balance, and late payments.  I tried disputing with bureaus. etc, etc.  NOW relief!</div> Tue, 13 May 2008 15:34:18 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236951#M3098 hunnybunnz 2008-05-13T15:34:18Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236968#M3104 <div>If you send letters once a week, odds are someone will remove it, or want you to stop mailing it and remove it.</div><div> </div><div>Type up the letters once, save them on your PC. If you want to save time, print out say 5 at a time, place them in an envelope. Each week, stamp and mail it out. I would send one every 2 weeks though, since I think that is how long it takes to get approved/rejected?</div> Tue, 13 May 2008 15:46:36 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236968#M3104 Sushi 2008-05-13T15:46:36Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236972#M3106 <div>I like them all but specifically these crack me up...</div><div><div> </div><div>Get 'Er Done GW Optimist Club (GEDGWOC)</div><div> </div><div>The County Lockup GW Club - For those of us who violated restaining orders for GWing too much.</div><div> </div><div>any other votes</div></div> Tue, 13 May 2008 15:50:07 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236972#M3106 Jesedmotherof5 2008-05-13T15:50:07Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236974#M3107 <div>great job hunny bunnz... I havent had any luck yet most are returned back to me for undeliverable address and the others have been ignored.</div> Tue, 13 May 2008 15:51:07 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/236974#M3107 Jesedmotherof5 2008-05-13T15:51:07Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237002#M3114 <div>okay got four printed up....</div> Tue, 13 May 2008 16:31:38 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237002#M3114 Jesedmotherof5 2008-05-13T16:31:38Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237226#M3199 <div>I have a question. I am wondering if i send a GW to a company, that is closed, paid in full does that update the amount of time that it will remain on my credit report.</div><div> </div><div>For example. I have Macy's I had one 30 day late payment in Aug 2007.  It is listed as an adverse (negative) account.  If i send a GW to have it removed will they update it and say account  is scheduled to go positive in Nov 2014.</div><div> </div><div> </div> Tue, 13 May 2008 20:07:10 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237226#M3199 hmcbride222 2008-05-13T20:07:10Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237237#M3202 <div>If you GW in that example, and Macys accepts, then the account will continue to stay on your CR for 10 years from the date it was closed, assuming nothing bad happens to it in the future.</div><div> </div><div>I hear that Macys is good with GWs.</div> Tue, 13 May 2008 20:13:26 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237237#M3202 llecs 2008-05-13T20:13:26Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237325#M3212 <div>yeap what she said... so who got GWs out today???</div><div>I have to do a letter to a &quot;previously investigated&quot; reposnce from EX is that a MOV or something eles... Im having a brain freeze?</div> Tue, 13 May 2008 21:55:51 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237325#M3212 Jesedmotherof5 2008-05-13T21:55:51Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237339#M3213 <div>I did..  I re-sent out 5 between DH and I   :smileyhappy:</div> Tue, 13 May 2008 22:13:49 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237339#M3213 tidbit1 2008-05-13T22:13:49Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237356#M3215 <div>yeah great job!</div> Tue, 13 May 2008 22:45:42 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237356#M3215 Jesedmotherof5 2008-05-13T22:45:42Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237375#M3217 <div>I am all for this support group... I have started making labels and letters for each account... I printed off 40 of each,... I am going to fold and stuff tonight and make it my wednesday chore to send out a letter to each... I am sure they will get sick of hearing from me at somepoint... Persistance will provail!!!</div><div> </div><div>Thanks for the great Idea! I love IT!</div><div> </div><div>Bridget</div><div> </div><div><div>5/11/08 TU-589 EQ- 609 EX-594 5%utl</div></div><div>3/2/08- TU-489 EQ-485 EX-453 60%utl</div><div>Goal 700 Club by 2009...</div> Tue, 13 May 2008 23:02:22 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237375#M3217 bridgetkaryn 2008-05-13T23:02:22Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237379#M3218 Can we have meetings? Maybe some food. mm mm<br><br>Can you imagine the conversations....fico,scores,cl,co etc.etc.<br><br>We could travel like the nascar car fans do.<br><br>mmm i see t-shirts,I love myfico,bumper stickers,buttons,coffee cups.<br><br>Maybe you are on to something,great. Tue, 13 May 2008 23:05:09 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237379#M3218 LIGHTNIN 2008-05-13T23:05:09Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237466#M3293 I have the chocolate and a ream of paper! Wed, 14 May 2008 00:37:44 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237466#M3293 tidbit1 2008-05-14T00:37:44Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237487#M3296 <div>I have the postage machine (from work of course!) I love Free POSTAGE!!!!</div> Wed, 14 May 2008 01:07:15 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237487#M3296 bridgetkaryn 2008-05-14T01:07:15Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237828#M3446 <div>I have a nice printer, 2 computers and 3 labtops... lables too!</div><div>dont forget the chips and dip and endless supply of starbucks coffee!</div><div>oh' the fun we would have!</div> Wed, 14 May 2008 15:22:47 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/237828#M3446 Jesedmotherof5 2008-05-14T15:22:47Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/238046#M3525 <div>I just sent 5 this past weekend &amp; need to write one to Crap 1.  I'm liking the support group thing...</div><div> </div><div>How's this... <font color="#00cc00">F</font><font color="#000000">lush <font color="#00cc00">I</font>gnorant</font><font color="#00cc00"> C<font color="#000000">ollection</font> O</font><font color="#000000">ffices</font></div><div>I went with the green, since that's what we like to see in our &quot;boxes&quot; :smileyvery-happy:</div><div> </div><div>I make a mean crab dip!!  yummmmmmmmmmmmmm</div> Wed, 14 May 2008 18:33:59 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/238046#M3525 BungalowMo 2008-05-14T18:33:59Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/238074#M3535 <div>I'm with you. Capitol One is the only ones that won't GW. I've tried disputing and calling with no luck. I sent a GW letter a month ago with no response.  The bad thing is that my two accounts that were paid charge offs are due to fall off in Sept. and Dec. of 09.  You would think they would just let it go early....but nooooo. They don't forgive or forget.  I want to send three letters a day to them so count me in as a club member.</div> Wed, 14 May 2008 18:56:46 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/238074#M3535 goingplaces 2008-05-14T18:56:46Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/238082#M3539 <div><div>How's this... <font color="#00cc00">F</font><font color="#000000">lush <font color="#00cc00">I</font>gnorant</font><font color="#00cc00"> C<font color="#000000">ollection</font> O</font><font color="#000000">ffices</font></div><div>I went with the green, since that's what we like to see in our &quot;boxes&quot;</div><div> </div><div> </div><div>I love it!!!</div><div> </div><div>Going places you gettem out!</div></div> Wed, 14 May 2008 19:05:40 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-this-support-group/m-p/238082#M3539 Jesedmotherof5 2008-05-14T19:05:40Z