Reply
Established Member
sok454
Posts: 54
Registered: ‎06-06-2012

GW Letters

I sent 2 GW letters last week to 2 creditors that show 30 late pays.  My question is what is the usual response time from the creditors and I am assume they usually just send you a letter as response?


Starting Score: 596
Current Score: 646
Goal Score: 720+


Take the FICO Fitness Challenge

Established Contributor
westo12
Posts: 578
Registered: ‎07-20-2008

Re: GW Letters

Sometimes they respond, sometimes they do not.  Sometimes the lates will magically disappear, sometimes they do not.   Every creditor is different, no set timeframe you can expect.

2014 Starting-618, current TU617/EX653/EQ600 (WalmTU 7/7,Prosper, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 2/30 day auto lates almost 2yrs old /reported Install Bal/Lim: 27238/36512 | reported Revolving Bal/Lim: 12806/20532=62%util.

**IN the garden until I get some auto CLI's on major accts**
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012

Re: GW Letters

Search for your creditors name + GW.  You'll likely find other people's experience for that particular creditor.  For example, a lot of success with Chase, some with BoA, almost never with Capital One.  You'll also find e-mail address, snail mail addresses, phone #'s etc. in terms of what worked for them.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: GW Letters

Don't give up on just one btw.  Sometimes it takes a few.  :smileyhappy:


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!
Established Member
sok454
Posts: 54
Registered: ‎06-06-2012

Re: GW Letters

Strangely got a response last night from the Credit Union.  They said they would not make the change as they tried to reach me about the late payment.  So my claim is not legitimate. 


Starting Score: 596
Current Score: 646
Goal Score: 720+


Take the FICO Fitness Challenge


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+