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Hello,
I'm planning to write GW Letters for one negative account and two paid collections. Any advice, contact information I should use, etc. will be appreciated. Basically the letters say: "I am writing this letter to see if you may be willing to make an adjustment of goodwill to what is reported to the three credit reporting agencies (CRA's)" and then they include details pertinent to my circumstances. Since the negative account I have been approved for a Citi AAdvantage credit card (VISA Sig) product, so I would think that will help in removing the old baddy.
Here's what my current reports show:
EQ: 9 Inquiries; No Collections; 1 Negative Account
TU: 2 Inquiries; 2 Collections; 1 Negative Account
EX: 5 Inquiries; 2 Collections; 1 Negative Account
The companies I'm dealing with:
Citibank (Servicing Gordons Jewelers) - Negative Account
Alliance One (A1) - Both paid collections are with them
The negative account was opened 03/2005 and last payment was 10/2007. It was last reported in 11/2007, so should fall off report 11/2014.
The collections:
1) Placed: 06/2007 Paid: 10/2008 (Shows TU will remove 03/14)
2) Placed: 5/2007 Paid: 03/2008 (Shows TU will remove 12/13)
Thanks for any advice,
DesertLife
Looks like these are close to being excluded due to the CRTP expiring. Those collections are paid, so no harm there. Looks to me like you're in pretty good shape. Good Luck!
Yeah, they're close, but it would be great if they were gone sooner! Here's the contact info I have for these companies. Hoping to get personal contacts, etc. for Citibank to help get through their bureacracy.
Alliance One
6535 Kimball Dr. STE 200
Gig Harbor, WA 98335
(253) 620-2222
CitiBank
PO BOX 6497
SIOUX FALLS, SD 57117
(800) 950-5114