@dresnoone wrote:
If you don't mind me asking, how did you do this? I've been working to repair my credit and have not seen a drastic increase. One day I logged onto my account and saw my Eq had a score of 640, a couple of days later that score disappeared and I went back to fluctuating between 572-554. I don't know what else to do. Your scores are remarkable.
I started with 4 choarge offs, 1 collection for one of the charge offs (all of these occurred in the summer of 2010). I also had 3 old medical collections. I wrote GW letters to the medical collections and they deleted. I've paid ONE of the charge offs (I started with the smallest one) and when it updated it actually first lowered my EQ score by 6 points. I was a little bummed about that. When they updated the account they showed it as paid after charge off and updated the charge off date to the date of payment. I GW'd them and they ended up making the entire tradeline positive again. I have another post here about that. I still have 1 CA that is a year old. They won't return my phone calles or letters for PFD but they did validate. I won't pay it until they agree to PFD. And then I still have the other 3 CO's that are now over a year old. I'll be paying them off one by one, smallest to biggest.
GW's do work. You just have to keep at it. I'll also add, these accounts that went bad did so while I was deployed overseas. My power of attorney fell ill and couldn't fulfill the financial obligations. I did include that in my GW letters which may have helped me out. And they did ask me to send in my Orders showing that I was overseas when the account went deorg. So every case is different. But the point is when you hear that they CAN'T change reported info, we know that's not true and you just have to keep plugging away.
