Reply
Frequent Contributor
Posts: 313
Registered: ‎06-26-2009
0

Americredit

Has anyone had any luck with getting any GW from these people?

 

I had a good history with only 2, 30 day lates. The last payment was 5 times my regular payment. I worked out an agreement where I could continue to make my regular payment until it was paid off. What I didn't realize was they reported me 30, 60 ,90 and 120+ late while I was doing it.

 

Any positive contact info is appreciated.

 

Thanks


Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


Take the FICO Fitness Challenge
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Americredit

It won't hurt to try yourself regardless if someone else was or wasn't able to get a GW.  Good luck! 
Frequent Contributor
Posts: 313
Registered: ‎06-26-2009
0

Re: Americredit - update

Movement? 

 

I have been sending GW letters to the President and the CFO for a few weeks now. I got a letter in the mail today asking me to contact a customer service number to provide additional information re: my request. Hope? I'm trying not to get too worked up about it; it may be just another "no". I'm calling in the morning. I'll let you all know if I have any luck.

 

Of course if it is another "no" I shall redouble my letter writing campain. The account is PIF. I've nothing but a little postage to loose and getting a 120+ late off of my reports to gain. Keeping my fingers crossed.


Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Americredit - update

Keep at it! I'm working a route on my end....if it pans out here, I'll post back. It involves research over the entire history of the accounts. It is very slow-going.
Frequent Contributor
Posts: 313
Registered: ‎06-26-2009
0

Re: Americredit - update

RE: Movement? 

 

I have been sending GW letters to the President and the CFO for a few weeks now. I got a letter in the mail today asking me to contact a customer service number to provide additional information re: my request. Hope? I'm trying not to get too worked up about it; it may be just another "no". I'm calling in the morning. I'll let you all know if I have any luck.

 

Of course if it is another "no" I shall redouble my letter writing campain. The account is PIF. I've nothing but a little postage to loose and getting a 120+ late off of my reports to gain. Keeping my fingers crossed.

 

update: 

 

I called the AmeriCredit service center, as the letter I received requested. After updating my information they reiterated the company line "there is nothing we can do". I was able to talk to a supervisor who also sang the same song but he was willing to give me the name and contact information of the next person up the chain. I will continue the saga on Monday.

 

All this begs a question. When you make a payment arrangement with a company, and that arrangement has the potential to have a severe negative impact on your credit, is the company under any legal obligation to disclose such information? Trying to build a case, for when I finally get to the top brass, so I come across as knowledgeable on the subject.

 

Thanks,as always, for all your help.


Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


Take the FICO Fitness Challenge
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Americredit - update

I have seen it happen before.  Someone enters a payment plan and gets doused with lates.  Reason being,  the monthly minimums were not being made.

 

But I agree that they should tell you up front what will happen.  I do not know if they legally have to.  It more than likely goes back to the fine print in the original agreement.

Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Americredit - update

I thought they were all done.....kaput........out of business...........NO??????
Frequent Contributor
Posts: 313
Registered: ‎06-26-2009
0

Re: Americredit - update

No such luck.

Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Americredit - update


casinoannie97 wrote:
I thought they were all done.....kaput........out of business...........NO??????

 

I heard rumors of that once too, but it never happened. IMO, it would be a bad thing if they went under with lates still reporting. I remember reading post after post about Providian and WaMu, where Providian couldn't remove the lates because they were bought out and WaMu wasn't one to help. Now the same is with Chase and WaMu.
Regular Contributor
Posts: 105
Registered: ‎07-08-2009
0

Re: Americredit - update

Ive got a loan with them that has a couple of 30 day  lates a year ago..  i might jump on the GW band-wagon and see if i can get them to remove them..   From all accounts though, they are a scumbag of a company..

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.