Reply
New Contributor
Posts: 62
Registered: ‎10-13-2010
0

Feeling lucky about HSBC :)

I've been GW-ing HSBC for months with no success, BUT today I have a good feeling the letter I just put in the mail is the one!

Has anyone had success with HSBC and an address in upstate NY? 

Established Member
Posts: 20
Registered: ‎12-04-2010
0

Re: Feeling lucky about HSBC :)

I'm from upstate new york.  I haven't tried sending GW letters to HSBC yet, but I have two closed/charged-off accounts I want to fix up.  One account has always been reported wrong to CRA and I have disputed it multiple times and they continue adding incorrect information.  The other I haven't touched because I'm working on removing the CA tied to the account (Midland Credit Management).  I've been searching for an e-mail address for HSBC instead of using snail mail. 


Starting Score: 10/29/10 EX: 585, EQ: 573, TU: 547
Current Score: EX: 753, EQ: 640, TU: 651
Goal Score: 640+ (FHA req for FTHB)


Take the FICO Fitness Challenge
Regular Contributor
Posts: 237
Registered: ‎01-10-2008
0

Re: Feeling lucky about HSBC :)

I am from upstate too (Watertown).  I am currently GW'ing HSBC due to a Orchard Bank card that I did not do well on during a deployment.  Let me know how it goes, and I will do the same.



Starting Score: Sep 23, 2014 EQ 577 TU 583 EX 567
Goal Score: 700


Take the FICO Fitness Challenge
New Contributor
Posts: 62
Registered: ‎10-13-2010
0

Re: Feeling lucky about HSBC :)

Holy cow I JUST recieved a call from an HSBC rep saying they are looking into my account and the possible removal of lates and I will be contacted tomorrow!!!!  I used an address in Buffalo, NY!!  Keep your fingers crossed :smileytongue:

Regular Contributor
Posts: 237
Registered: ‎01-10-2008
0

Re: Feeling lucky about HSBC :)

GREAT!!!!  I dont have that address....would you PLEASE PM the address to me.  I owe you big!  I went to college in Buffalo (Daemen) and I am the worlds biggest Sabres fan!



Starting Score: Sep 23, 2014 EQ 577 TU 583 EX 567
Goal Score: 700


Take the FICO Fitness Challenge
New Visitor
Posts: 2
Registered: ‎01-11-2011
0

Re: Feeling lucky about HSBC :)

 I am new at this can you tell me what GW-ing mean ? I dealt with both HSBC AND ORCHARD BANK AND HAVE HAD SOME good  RESULT WOULD RECOMMEND EITHER ONE . 08spiderman

Regular Contributor
Posts: 237
Registered: ‎01-10-2008
0

Re: Feeling lucky about HSBC :)

Welcome to the forum spiderman08.  I recommend that you read the 7 locked threads that you see at the top of the "rebuilding your credit" forums.  GW stands for goodwill.  This is a letter that you can write to the original company asking for a goodwill adjustment.  A goodwill adjustment could be the removal of a bad tradeline, or the removal of late payments.  Good luck!



Starting Score: Sep 23, 2014 EQ 577 TU 583 EX 567
Goal Score: 700


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Feeling lucky about HSBC :)


08spiderman wrote:

 I am new at this can you tell me what GW-ing mean ? I dealt with both HSBC AND ORCHARD BANK AND HAVE HAD SOME good  RESULT WOULD RECOMMEND EITHER ONE . 08spiderman


Along the prev. poster's recommendations, I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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.