You have a valid point. I don't argue that because it is most definitely costing me time and money to send these GW letters via FedEx.
However, I'm willing to spend the time and money to do this because it will still cost me far less in the long term as opposed to doing nothing and leaving a 30 day late on my reports for 7 years. IMO, a FedEx delivery signifies importance and so I'm simply hoping it gets into the right hands and this gets done. To me, its worth sending out every single month until I get results. I want to app soon and I'm not going to until I get this late pay off. I got myself into this mess (I don't know how) so I will get myself out of it, even if it costs -- which it already has!
As far as Target, keep mailing them. No one says you have to do it the FedEx way but keep trying. You lose when you give up. Eventually, persistance pays off.
Perhaps I will mail the next letter if this one doesn't work because I already FedExed it lol.
I guess you're right. I'm just very impatient and I don't like waiting. I'm hoping this won't be as long of a battle as you say but I know it sure could be. I will post updates.
Thanks for the encouragement.
I just sent FedEx overnight letter #4.
Is it worth paying the extra money to send a GW overnight by FedEx? Are you expecting a decrease in interest rates on your cards, and a rise in your FICO scores if the late is removed?