At this point, I am going to leave things as they are.

[newmomnewme]

I have the following baddies left on my CR. I am going to keep sending GW letters to them all; FCO has been a very difficult nut to crack...sheesh! 

Suntrust keeps putting dispute comments on the tradeline everytime I send a letter, and the Cap1 EO office has denied all of my deletion requests. Any creative suggestions for me? Or just keep GWing? NOTE: I am currently shopping for mortgage loans and my score is where I need it for now. 

Midland $0- 2019

FCO $0- 2018

FCO $0- 2017

Cap1 C/O- 2015

HSBC C/O- 2015

Suntrust Lates- 2016

VS Lates- 2018

[CreditHealthy]

Good luck with the mortgage loan

[StartingOver10]

Remove the disputes from your credit report. The underwriter for your mortgage will most likely require the disputes (even disputes in the comment section) to be gone.

[newmomnewme]

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@newmomnewme wrote:

I have the following baddies left on my CR. I am going to keep sending GW letters to them all; FCO has been a very difficult nut to crack...sheesh! 

Suntrust keeps putting dispute comments on the tradeline everytime I send a letter, and the Cap1 EO office has denied all of my deletion requests. Any creative suggestions for me? Or just keep GWing? NOTE: I am currently shopping for mortgage loans and my score is where I need it for now. 

Midland $0- 2019 TU Only

NCC $0- 2018 EX Only

VS Lates- 2018

FCO $0- 2018

FCO $0- 2017

PRA $0- 2016 EQ Only

Suntrust Lates- 2016

Cap1 C/O- 2015

HSBC C/O- 2015 On EX it reports as a closed account that will remain until 2019.  UGH?

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UPDATE: I don't know what to do about the ones that have been deleted from two of three CRA....this is so difficult.  I need to get my score over 700 in the next year or so..and I will do everything I can do to keep util down....but I don't have ANY control over whether or not a CA agrees to a goodwill removal. I am going to keep sending them.

[queen_britt2003]

How old are the ones reporting on TU only?  I had a Cap1 CO that was sold to LVNV.  Both were scheduled to fall off in September 2014.  Another member posted about requesting early deletion through TU's only system.  I did this on Friday & got an email on Saturday that they'd been DELETED!! A FULL 6 MONTHS EARLY!!  Maybe this would be a help for you...

Oh & definitely remove the dispute comments - I was able to this with all bureaus over the phone.  If you do a search there's a thread by Shane from the Mortgage boards with all of the info.

[newmomnewme]

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@newmomnewme wrote:

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@newmomnewme wrote:

I have the following baddies left on my CR. I am going to keep sending GW letters to them all; FCO has been a very difficult nut to crack...sheesh! 

Suntrust keeps putting dispute comments on the tradeline everytime I send a letter, and the Cap1 EO office has denied all of my deletion requests. Any creative suggestions for me? Or just keep GWing? NOTE: I am currently shopping for mortgage loans and my score is where I need it for now. 

Midland $0- 2019 TU Only

NCC $0- 2018 EX Only

VS Lates- 2018

FCO $0- 2018

FCO $0- 2017

PRA $0- 2016 EQ Only

Suntrust Lates- 2016

Cap1 C/O- 2015

HSBC C/O- 2015 On EX it reports as a closed account that will remain until 2019.  UGH?

---

UPDATE: I don't know what to do about the ones that have been deleted from two of three CRA....this is so difficult.  I need to get my score over 700 in the next year or so..and I will do everything I can do to keep util down....but I don't have ANY control over whether or not a CA agrees to a goodwill removal. I am going to keep sending them.

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Another UPDTATE: Ok, so now I am down to two paid Charge Offs, a Midland collection (only on TU), and Suntrust Auto loan late payments from 2009...... I am waiting for a call back from Cap1 EO and Midland Account supervisor. Maybe I will call Suntrust Auto today as well. I just want the entire TL removed at this point.