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Established Contributor
Posts: 581
Registered: ‎04-11-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

Thanks!!!:smileyhappy:  It it hard especially with AMEX.  I followed their rules only to be ignored.  But I will not give up.
Valued Member
Posts: 158
Registered: ‎06-15-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

i to have tried numerous times with GW letters on the phone everything for a PFD the amount is 1300 even pail the full amount with one payment,,,still no every turn is a no,,they are very tough to deal with although I did send a GW PFD straight to the CEO yesterday so well see how that turns out
Established Contributor
Posts: 581
Registered: ‎04-11-2007
0

Re: To date, I have written a PFD letter, two GW letters, and...

keep me posted.
Established Member
Posts: 40
Registered: ‎05-05-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

How long did it take for a response to your PFD ang GW letters? 
Established Contributor
Posts: 581
Registered: ‎04-11-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

Deltion was about 1 month and GW letters were just over two weeks. AMEX has been going on since January.
Established Contributor
Posts: 581
Registered: ‎04-11-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

[ Edited ]
Credit Account Amex

Status as of June 2007
Date opened [?] Nov, 1984
Date of last payment [?] Nov, 2002
Account number [?] XXXXX
Largest past balance [?] $8,327
Credit Type [?] Revolving Account holder
[?] Individual
Scheduled payment amount [?] $0 Descriptions
[?] Collection account Consumer credit counseling
No contact information provided by Equifax Balance
[?] Current Status [?]
Past Due Amount [?] $7,696 120+ days
past due $439
Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times

This is the my story behind AMEX. I was never 120 days past due and it was paid in April.

Message Edited by sl on 06-18-2007 07:06 PM
Established Contributor
Posts: 581
Registered: ‎04-11-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

Update on AMEX.
 
I heard from them today and the word is that I have successfully completed the Interest Waiver Phase of the DMP and that it will be reporting correctly on my CB on my next statement.  They will send me my final statement with a 0 balance.  I am wondering what this will do to my fico score.
 
They are currently showing 439 past due - 120 days and a balance close to 7000.
 
They said it will show balance 0 and the 120 days will be removed.  Any guesses on how this will affect my fico score.  My utilization is 54% and the 70000 should drop that along with the 120 past due being removed.
Valued Member
Posts: 158
Registered: ‎06-15-2007
0

Re: To date, I have written a PFD letter, two GW letters, and...

wow thats great what and who did you call to get the late pays off? I couldnt get them to budge on anything and I got tired of messin with it so I just went ahead and paid the enitre balance off in one payment..it was charged off in 02,,what ever you did I need to try
Established Contributor
Posts: 581
Registered: ‎04-11-2007
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Re: To date, I have written a PFD letter, two GW letters, and...

That is how the debt management program worked.  They won't update your account while you are in the program, but once you are out, they report correctly.
 
 
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