GW letter didn't get me a delete but a change. Is it better or not?

[Tooliebell]

I GWed Barclay's Bank.  They have been really nice and courteous.

They didn't delete my account but made a change.  Here is what it was before the GW letter:

Credit Account Barclaysbk

Status as of Date opened [?] Date of last activity [?] Largest past balance [?] Account Type [?] Account holder [?] Scheduled Payment Amount [?] Industry

Aug, 2010

Jul, 2008

Apr, 2010

$350

Revolving

Individual

$28

All Banks

Descriptions [?]

• Account paid for less than full balance
• Paid charge off

No contact information provided by Equifax

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?] 30 days late 60 days late 90+ days late

3 times (Nov 2009, Aug 2009, Jul 2009)

1 time (Dec 2009)

5 times (Jul 2010, Jun 2010, May 2010, Feb 2010, Jan 2010)

Recent payment history [?] 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 2008 2009 2010

Legend:	Currently paid as agreed
	30 days late	60 days late	90 days late
	120 days late
	Collection

Worst Delinquency [?]

Bad debt/collection

Here is what it is now:

Barclaysbk

Status as of	May, 2011
Date opened [?]	Jul, 2008
Largest past balance [?]	$350
Account Type [?]	Revolving
Account holder [?]	Individual
Scheduled Payment Amount [?]	$28
Industry	All Banks

Descriptions [?]

• Closed or paid account / zero balance
• Account paid for less than full balance

No contact information provided by Equifax

Balance [?]	Current Status [?]
$0	Pays account as agreed

Seven year payment history [?]

30 days late	3 times (Nov 2009, Aug 2009, Jul 2009)
60 days late	1 time (Dec 2009)
90+ days late	2 times (Feb 2010, Jan 2010)

5	6	7	8	9	10	11	12	1	2	3	4	5	6	7	8	9	10	11	12	1	2	3	4
2009	2010	2011

Legend:	Currently paid as agreed
	30 days late	60 days late	90 days late
	120 days late

Was the before better?  I am wondering if this is why I saw a drop in my score from the increase that I had.  ( I went from 598 to 605 to 607 to 598).  Other things that happened in between were 2 CO that I was AU on were deleted, Midland deleted, and my mortgage company removed a 60 day late from December 2010(wasn't correct). 

I still have yet to talk to Barclays, we are playing phone tag.  But I am wondering do I tell them to switch it back! OR plead my case for the deletion?  I am starting to wonder if they just killed my score with this change.

[guiness56]

I see they removed 3 90 day lates.  You did have 5 now only 2.  They also removed the paid CO annotation.

As long as it has a settled remark, I don't think your score will raise.

[Anonymous]

Will you pm the info where you are sending your Barclays GW. I have had no luck.  Also midland info would be helpful as well, as all I get is "we can only do paid in full" when I talk to them. Thanks and congrats on your success!

[llecs]

Congrats, OP! The ones they removed were the most recent too!

I'd wait it out a year or so and then maybe I would GW again. I certainly wouldn't do that now, though.

[Anonymous]

Hi there, could you please PM me the information or address in which you sent your Goodwill letter to Barclay's? I am currently trying to remove 1 30 day late with them and have been unsucessful dealing with their regular customer service line. Also would you happen to have a copy of the goodwill letter you sent?  I was recently sucessful in getting JC Penneys to remove a 30 day late and was hoping I could have the same success with Barclays. To be  honest with you, I didn't think JC Penneys would budge from me sending a GW but they were responsive right away. I thought that Barclays would have been a piece of  cake...guess not. Please let me know the information to contact them when you get a chance.

Thanks,

LaKeya  

[esme]

I'd also like the info for where you sent the GW letter to Barclays as well please. Thank you!