05-01-2012 05:17 PM
I just wanted to share my GW success story with GE Capital Retail Bank. I started sending good will and PFD letters to each of the companies I had negatives with (8 total since 2/2011). After 3 rounds of letters I've had 3 (Verizon,Best Buy, Banana Republic) companies taken off of my credit report including a letter I got today from Banana Republic saying
"This letter is written confirmation that a request was sent to the major credit reporting agencies to delete the trade line reference regarding the above Banana Republic account from your credit report."
I just sent a sincere letter to all my negative accounts to the addresses listed on my credit report via snail mail. Will send out another round of letters in a week to get rid of the rest. Couldn't have done it without finding the myfico forums. Thanks everyone.
05-10-2012 09:16 PM
Here is the letter I wrote.
Dear Sir or Miss,
Unfortunately, in 2007 I took advantage of our relationship and failed to submit my monthly payment on time. It was an exceptionally chaotic time in my life as I was moving, unemployed and struggling with personal obstacles. I really regret not paying off my credit cards during that time. I am now in the process of rebuilding my credit history and future profile. I assure you I'm working really hard to improve my credit profile by now making on time monthly payments. I hope you understand that I made a mistake when I failed to make my payments.
In light of things, I am sincerely asking for a little goodwill and a chance at a positive credit rating by deleting the charge off as reported on my three major credit bureau files (Experian, TransUnion, & Equifax).
I appreciate your time and hope for a gesture of goodwill and to will continue to right what has been wronged with Banana Republic and GEMB.
P.O. Box 965004, Orlando, FL 32896-5004
06-17-2012 04:31 PM
We're trying to GW a 30 day late on BB and a paid in full collection from Verizon. Would you mind sharing the addresses that you used for the two companies? Thank you very much!
08-08-2012 07:40 AM
Hi, congratulations on your success!
I was wondering if there was a way to find out what can I possibly have on the end of GECRB that I always get rejected for a Banana Republic card? I've tried to apply 2x's already within a year and still get a negative. All my info is current and stable (EQ 650/TU 641/EXP 653) Should I write to them (GECRB) or Banana Republic and ask what's going on or request verification of all my data with them? I have been denied due to bad collection accounts and I have none listed with any of the 3 bureaus, I only have 1 credit card reporting and it's never been late or past due or negative.
I appreciate all feedback on this matter.
08-08-2012 09:10 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.