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Did I start to high?

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Established Member

Did I start to high?

I thought since I was trying to clean up my credit, I would my fiancés as well.  His is pretty clean other than 2 mortgages that were late 5 times all together.  One had 3 30 day and the other was a 30 day and 60 day.  So I emailed everyone at Wells Fargo trying to get the 30 and 60 gw, but they declined.  I received 2 separate letters from the "executive" office.  Where do I go from here?

Message 1 of 5
4 REPLIES
Established Contributor

Re: Did I start to high?

Get another mix of executive e-mails and snail mail addresses and prepare for another round. Like Shogun says, you only need 1 yes out of 99 no's. A no on your first GW  is a standard statistic.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 2 of 5
Valued Contributor

Re: Did I start to high?

Ha, I've thought the same thing before, I know the feeling.  If the CEO won't say yes, who the hell would?  Luckily, there are people capable of it many levels down from that office, it's just a matter of getting one.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 3 of 5
Established Member

Re: Did I start to high?

Great!  Thank you...I will get another round out today Smiley Happy

Message 4 of 5
Moderator Emeritus

Re: Did I start to high?

Use the shotgun method,  pull the trigger and see if it hits someone that will help.

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 5