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GW Letter Campaign! Need Feedback

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DesertLife
Regular Contributor

GW Letter Campaign! Need Feedback

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

Started out with a 648 EQ in 2018, finally got to 850 FS8 TU | 836 FSU EX in November 2021!
Message 1 of 3
2 REPLIES 2
Shogun
Moderator Emeritus

Re: GW Letter Campaign! Need Feedback

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!

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 2 of 3
DesertLife
Regular Contributor

Re: GW Letter Campaign! Need Feedback

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 

Started out with a 648 EQ in 2018, finally got to 850 FS8 TU | 836 FSU EX in November 2021!
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