DoI REALLY need another CC?

[capricornchanges]

Negatives are:
1 30 day on auto from 8-16, TFS refuses to budge
1 CO from Fingerhut from 1-16, refuses to budge
A couple of medical that are being deleted
30,60,90 and 120 day lates on previous student loans (closed now). Have had a few removed so far, still working on others.
Bk chap 13 due to fall off June 2019.

[capricornchanges]

I’m a SHE, lol, Hi, I’m Phoebe!

[Anonymous]

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@capricornchangesNegatives are:
1 30 day on auto from 8-16, TFS refuses to budge
1 CO from Fingerhut from 1-16, refuses to budge
A couple of medical that are being deleted
30,60,90 and 120 day lates on previous student loans (closed now). Have had a few removed so far, still working on others.
Bk chap 13 due to fall off June 2019.

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When you say "refuses to budge," how many letters have you sent to the institution requesting a GW adjustment?  It's taken me easily over 100 letters to 2 different lenders in order to achieve GW adjustments from them (where others have taken only a couple), so unless you've really hammered away at least that hard I would revise your statement to "refuses to budge, yet."

[capricornchanges]

That’s true, I guess probably 15, plus 30 or so faxes, the admin assistant to the CEO called me to tell me they no longer do GW adjustments for TFS, Fingerhut is about the same and even more stubborn.

[Anonymous]

Definitely be persistent and don't stop.  All it takes is getting your letter into the right hands at the right time and someone will make the adjustment for you.  It's all a numbers game.  If you throw enough darts, eventually you'll hit the bullseye.