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GW Example Letters

Established Member

Re: GW Example Letters

Is it possible to get something off my report when I have already closed that account?
I've heard I can request my account to be re-opened if they agree to remove the bad stuff but then won't it hurt my report to open my account again?  I already have 4 credit cards open.  If it matters, it didn't affect my score at all when I closed it - as I thought it would.
Message 91 of 128
New Visitor

Re: GW Example Letters

I mistakenly took a $300 Macy's balance that was not revolving as revolving, so it hit my credit report.    The minute I figured this out I paid the bill in full, however my score dropped 150 points. 

 

Is this a situation that can be explained in a Good Will Letter? 

Message 92 of 128
Frequent Contributor

Re: GW Example Letters

Sending them out once again hope it works this time.
Message 93 of 128
New Visitor

Re: GW Example Letters

Using a slightly modified version of the first letter here, I was able to get a 30 day late payment from a student loan taken off of my TU Report.  FICO went from 732 to 775.  Thanks!
Message 94 of 128
New Member

Re: GW Example Letters

Tuscani thanks for all the excellent information.  I wish I had saw the PFD letter before I paid on a collections account.  Now that I have I was told by the CA that they would mail me a receipt of payment and that I should then send a dispute or GW letter to each CRA and that it would take 45 days for them to remove.  Did they just get over on me and can I can I expect the collections to be removed?
Message 95 of 128
New Member

Re: GW Example Letters

How efective is a phone call versus a written letter?
Message 96 of 128
Moderator Emeritus

Re: GW Example Letters


brendilon wrote:
How efective is a phone call versus a written letter?
Phone calls can work. The challenge sometimes is that a phone call gets limited to the front-line CSRs and sometimes you can't get any further than a manager maybe. A letter can direct any appear straight to the leadership of the company, if needed.
Message 97 of 128
New Member

Re: GW Example Letters

Hi,

 

I know this is a long time that you have posted this, I have 2 "30 days missed" payements, one from Chase and the other one from Discover. I thought that I had setup the automatic payement from my checking account, which was too late when I discovered that I have not.

 

my question is what is the address that I should mail the GW letter to?? is it the one shown in my credit report??

 

Thanks in advance for you help Smiley Happy

Message 98 of 128
Highlighted
Regular Contributor

Re: GW Example Letters

Chase
800 Brooksedge Blvd
Westerville, OH  43081
 
Cardmember Services
PO Box 15298
Wilmington  DE  19850
 
Cardmember Services
PO Box 94014
Palatine, IL  60094-4014

 

are the ones I have.  

Emailed Chase directly, turned down. Sent a GW letter. Here's to hoping!


Starting Score: EQ 433 12/2008
Current Score: EQ 649EX (LO Pull) 683 TU 663
Goal Score: 700 12/11


Take the FICO Fitness Challenge
All baddies gone! lates have hit the 2 year mark!
Message 99 of 128
Valued Member

Re: GW Example Letters

Hello can someone pls tell me where I can see a copy of the GW letter pls thanks

Starting Score:EQ:599, TU: 602, 3/4/2010
Current Score:EQ-624,5/2/2010, 633 as of 5/11/2010
New current Score: EQ:638, TU:642 Ex:642 08/07/2010
Goal Score730

Message 100 of 128