General Credit Topics

[JS]

If my husband and I have an account jointly, do we need to write two letters or will one do? 

This is the first time that I have heard of the possibility that a letter could help.  We have been nursing our credit back to health for two years.  A very slow process!  Thanks.

[demitasse03]

Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.

Message Edited by demitasse03 on 07-08-2007 12:43 PM

[Tuscani]

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demitasse03 wrote:

Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.

Message Edited by demitasse03 on 07-08-2007 12:43 PM

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Never hurts to ask!

[Tuscani]

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JS wrote:

If my husband and I have an account jointly, do we need to write two letters or will one do? 

This is the first time that I have heard of the possibility that a letter could help.  We have been nursing our credit back to health for two years.  A very slow process!  Thanks.

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You should each send one.

[Noah_Bodie]

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JS wrote:

If my husband and I have an account jointly, do we need to write two letters or will one do?

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DW and I sent one GW letter to Chase. Three accounts--hers, mine and ours. One GW letter worked for both of us for all 3 accounts.

[Noah_Bodie]

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=23664#M23664

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=23469

Message Edited by Noah_Bodie on 07-12-2007 11:38 AM

[creech69]

Thank you for the awesome sample letters.

I willbe sending out 4 GW letters on 7/30/07.

~BOA

~Discover

~Direct Merchants Bank

~Household Bank

I will keep everyone posted on the outcomes.

[bsf56]

I have a paid hospital collection that I would LOVE to remove.  Should I send the letter to the hospital or the collection agency?

Thanks!

[KevKaos]

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Tuscani wrote:

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demitasse03 wrote:

Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.

Message Edited by demitasse03 on 07-08-2007 12:43 PM

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Never hurts to ask!

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You really think it might have a chance?  I'm 3 for 3, and I would hate to break my streak.  In my case, my accounts were not late or any other baddies right up to the date of my BK filing.  In those cases, the account is reported as Closed - Included in Bankruptcy or something along those lines.  I wonder if doing a GW letter in that case would really do me any good or not. Maybe if they dropped the whole account off of my CR, it might help.  But that begs the question, should those accounts described above disappear after 7 years (which is next year for me)? If not, would I dispute them as being older than 7 years old to make them go away? If just seems to me that there are some accounts on my CR which are older than 7 years.

Message Edited by KevKaos on 07-31-2007 09:14 AM

[Tuscani]

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KevKaos wrote:

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Tuscani wrote:

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demitasse03 wrote:

Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.

Message Edited by demitasse03 on 07-08-2007 12:43 PM

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Never hurts to ask!

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You really think it might have a chance?  I'm 3 for 3, and I would hate to break my streak.  In my case, my accounts were not late or any other baddies right up to the date of my BK filing.  In those cases, the account is reported as Closed - Included in Bankruptcy or something along those lines.  I wonder if doing a GW letter in that case would really do me any good or not. Maybe if they dropped the whole account off of my CR, it might help.  But that begs the question, should those accounts described above disappear after 7 years (which is next year for me)? If not, would I dispute them as being older than 7 years old to make them go away? If just seems to me that there are some accounts on my CR which are older than 7 years.

Message Edited by KevKaos on 07-31-2007 09:14 AM

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Hard to say... IMO, the .41 is worth a shot.