09-26-2012 06:54 AM
Just wanted to post an update for anyone who might find this info useful.
I just received a 9 point increase on TU, so now I'm at 660!! I sent out another batch of GW letters about a week ago and the following have been confirmed as removed.
*Removed 1 late from Dillards credit card (very old from 2006)
*Removed 1 late from Toyota (30 days - 2008)
*Removed 1 late from The Limited (30 days - 2011.
Reasons why I'm excited: This is the first time I've received so much success from one round of GW letters. I was successful on 3 out of 4 letters.
Capital one wouldn't remove my only late payment from 2003. Now that I think about it, isn't that past the date of reporting limitations anyway?
I had success with Toyota on a paid loan. I had 2 late payments from 2008 and they removed 1 of those late payments.
So, those 3 removals got me a 9 point bump. My utilization is high, so I will start focusing on that now.
-Good Luck to everyone.
09-26-2012 07:12 AM
Congrats!!! And yes that late from 2003 is way past the CRTP.
09-26-2012 07:41 AM
Nice! I just sent out my very first GW letters yesterday, one to chase for a 30/60 day late payments from 2006, acct was settled in full. And the other is for a $70 medical collection I paid in August. Hopefully it does some good! I know it can't do any bad
10-11-2012 04:45 PM
You said Toyota removed 1 of 2. Out of curiosity, which did they remove, the oldest or the newest?
Obviously it would best if they removed the newest! Let us know!
10-12-2012 05:10 AM
Great Job....It is always a joy to read about GW success
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.