Established Member
Posts: 18
Registered: ‎06-28-2012

9 point increase on TU

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!!:smileyhappy: 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
Current Score: EQ 681 to 700! TU 704 to 758!!
Goal Score: 720

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Posts: 12,952
Registered: ‎04-15-2011

Re: 9 point increase on TU

Congrats!!!   And yes that late from 2003 is way past the CRTP.

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
Posts: 331
Registered: ‎08-27-2012

Re: 9 point increase on TU

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 :smileyhappy:

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: 9 point increase on TU


Established Member
Posts: 12
Registered: ‎01-26-2012

Re: 9 point increase on TU



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!

Established Contributor
Posts: 905
Registered: ‎07-25-2008

Re: 9 point increase on TU

Congrats :smileyhappy:

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Regular Contributor
Posts: 229
Registered: ‎08-13-2011

Re: 9 point increase on TU

Great Job....It is always a joy to read about GW success

Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

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