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.
Starting Score: EQ 619 TU 651
Congrats!!! And yes that late from 2003 is way past the CRTP.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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