Based on the great advice here, and the philosophy "nothing ventured is nothing gained," I wrote my three GW letters today. I'd post the text here, but I decided that I'll wait and see if they work first!
IF they do work, then I will be doing a big dance of joy out here.
The companies they are going to:
RC Willey
Washington Mutual (re: two 30-day past due from 2002)
Wells Fargo (re: auto loan that had two 30-day past due in 2002)
I'll keep the board posted on the outcome. Cross fingers for me!
Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12
Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)
Goal Score: New goal: 760+ on all 3Take the FICO Fitness Challenge