Reply
Established Member
Posts: 14
Registered: ‎08-29-2012
0

Feeling defeated after my first GW denial

Hi All:

 

I sent my first round of GW letters two weeks ago, and I received my first NO, it was more like " We regret to imform you that we do not make GW adjustments".  This came from Wells Fargo EFS.  They purchased a student loan back from AES in 9/10.  I was back in school at set to graduate in 12/10, my loans were all defered, so I thought.  Apparently this particular loan was excluded in the grace, and I did not know.  I didn't even know WF bought it back from AES.  Anyway, they didn't have accurate contact info for me, so I didn't receive any correspondences.  I actually found out about my deliquencies from my mother who was co-signer.  Needless to say they CO the account before I found out.  Ijust finished paying it off.  Anyway I sent GW asking to remove, as it was not only hurting me, but my mother.  and I got the big fat NO. 

 

I guess I will keep sending them more!!!  Awaiting word from Cap1 and Credit one.  I hope I have better luck!!!  Feeling pretty defeated right now.

Moderator
Posts: 13,696
Registered: ‎04-15-2011
0

Re: Feeling defeated after my first GW denial

Keep sending them.  I've gotten the same answer from others and then finally a yes!



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!
Regular Contributor
Posts: 131
Registered: ‎08-05-2012
0

Re: Feeling defeated after my first GW denial

Keep sending them!!!!

Starting Score: 7/12 545 EX (PSECU)
Current Score: 689 EX (PSECU) / EQ 697 / TU 703
Goal Score: 750

Take the FICO Fitness Challenge
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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.