General Credit Topics

[Lindy]

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Sillygirl wrote:

Newbie here. Looking for more information on goodwill letters. What are "CIC" and "CB"? I checked the abbreviation listing and didn't see either.

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I'm also new, and unfamilaiar with these abbreviations. Could we have some help, please? Context suggests that maybe these are other sites or forums. Are they not supposed to be mentioned by name here? Lindy

[Tuscani]

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Lindy wrote:

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Sillygirl wrote:

Newbie here. Looking for more information on goodwill letters. What are "CIC" and "CB"? I checked the abbreviation listing and didn't see either.

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I'm also new, and unfamilaiar with these abbreviations. Could we have some help, please? Context suggests that maybe these are other sites or forums. Are they not supposed to be mentioned by name here? Lindy

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Google is your friend. Be sure to add the word "credit" to your search.

[Noah_Bodie]

DW got a GW delete from AMEX. After paying off her defaulted AMEX Gold, she got an Oasis Optima offer. Applied and issued, then she got AMEX Green and Delta. This GW was to get rid of the defaulted AMEX that went to collection.

I am writing to see whether American Express would consider a goodwill deletion and delete this account from my credit bureau reports.

American Express has been extremely generous to me by extending me credit after I paid this account off in full. The very favorable terms on my American Express Delta Skypoints card allowed me to move some high interest debt on credit cards with an APR of over 23 percent to my Delta card with a very low 9 percent APR. It is truly appreciated, particularly as my husband and I are searching for our first home.

[HappyDays]

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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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I have one on TU. Im trying to figure out who I should call. The only name & phone # is for the courthouse and a name of a bank in NY.

The foreclosure is correct (2003)  but it is not showing PAID.

Please PM me and send the letter that you wrote. I stink on wording letters.

I always look at this thread for letters. They are all good.

Message Edited by HappyDays on 08-04-2007 07:28 PM

[demitasse03]

Anyone - To whom should I send a GW for paid collections - the OC or CA?

Message Edited by demitasse03 on 08-05-2007 10:23 PM

[Noah_Bodie]

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demitasse03 wrote:
Anyone - To whom should I send a GW for paid collections - the OC or CA?

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OC. If you can get the OC to delete, and the CA is reporting, the CA isn't going to have much standing to keep reporting.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=5933

[wendy125]

Have a BoA that is 0/1200 as of 2/06 but was closed by credit grantor and has 2/9/21 for lates.  Yeah, pretty ugly, but I believe that I had the payments coming out automatically at the end, showing good faith.  Would you suggest I attempt to send a GW letter or is this one so bad that nothing can help?

[HappyDays]

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wendy125 wrote:

Have a BoA that is 0/1200 as of 2/06 but was closed by credit grantor and has 2/9/21 for lates.  Yeah, pretty ugly, but I believe that I had the payments coming out automatically at the end, showing good faith.  Would you suggest I attempt to send a GW letter or is this one so bad that nothing can help?

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Am I reading this right....BOA  closed 2/06  with  bal:$1200   sry what is 2/9/21?

Do you still owe anything?  If not or you are sure that all payments were made on time after being closed...Yes trya GW...they can only say NO....

[wendy125]

No,  $0 owed out of $1200, the account is paid in full.  The 2/9/21 are 30/60/90 days late.  The account was closed earlier, I think in 1998.

[HappyDays]

Ok  lates are baddies that drop off CR same as all baddies 7-7.5 yrs.  If they should have  already dropped   dispute the CRA    Overwise send GW letter.