Thanks for the info guys but in regards to the GW letters, is it common to have 30 days lates removed when they are real and 100% my fault?
make up some excuse and be innocent..and don't worry they won't bite you
I got a personal loan today at a local bank for $10,000 based on redepositing that money in a bank CD. $468 a month for two years and reporting every month. After two years, Ill own the $10,000 and hopefully a way better CS.
that's the way to go to but you also gotta take others advice for goodwill and stuff.....i mean of course they would help your credit score in a long term but i think its better for you to make a 2 3 years plan. Im sure you would going to hit your target score and goodluck.
I have three GW letters im mailing out tomorrow.
Late payments that are less than 2 years old will REALLY drag your scores down. You should be able to have them removed and I can see that you have started the process. You may have to send several rounds of GW letters until they agree to delete them.
Your scores should really start to climb once your cards start reporting. Once your scores get above 640 you might consider applying for a Walmart card as your next card.