My DH just got his first GW success and it raised his EQ FICO by 18 points to 669! He had 2 30 days lates with Macy's from late 2006. I started to read these forums about a month ago when I discovered huge errors in my CR. I read about GW letters and kept bugging him to call Macy's to see if they would remove the lates. Well, he did, and he was able to "sweet talk" the lady (his words) into giving him a goodwill adjustment. They really do work and I really thank everyone for their contribtution to these forums. I am still waiting on my errors to get fixed but his success has given me a real morale boost.