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GW letter with payment or after.

New Contributor

GW letter with payment or after.

I sent a PFD letter to all the CA's on my report and 2 of them said ok but the other 4 didn't respond, I want to pay them off and be done but was wondering if I should include a GW letter with the payment or wait until it shows paid on my report.

 

Thanks

Chase CSP $5000 | Capital One $4500 I Amex Delta $3000 I Amazon Visa $1000 I Walmart $1100 | Wells Fargo Visa $800 | Care Credit $5000 I Discover IT $500| Victoria's Secret $1450 | Capital One Playstation $1300 | Lowes $800

Scores: EQ:642 EX:655 TU:660

Message 1 of 9
8 REPLIES
Epic Contributor

Re: GW letter with payment or after.

Not sure why you would send a GW letter, they said they would delete.  A GW won't make it happen any faster.

 

It can take up to 90 days for a deletion to occur.

Message 2 of 9
New Contributor

Re: GW letter with payment or after.

The four I am wondering about are the ones that didn't send me a response to the PFD, I'm hoping that if I pay them they might be up for deleting it after all.  The other two have already been taking off my CR.

Chase CSP $5000 | Capital One $4500 I Amex Delta $3000 I Amazon Visa $1000 I Walmart $1100 | Wells Fargo Visa $800 | Care Credit $5000 I Discover IT $500| Victoria's Secret $1450 | Capital One Playstation $1300 | Lowes $800

Scores: EQ:642 EX:655 TU:660

Message 3 of 9
Epic Contributor

Re: GW letter with payment or after.

Ok got it.

 

It could work or they will just take your money and ignore the GW.

 

Are these still within your state suing SOL?

Message 4 of 9
Moderator Emeritus

Re: GW letter with payment or after.


guiness56 wrote:

Ok got it.

 

It could work or they will just take your money and ignore the GW.

 

Are these still within your state suing SOL?


If they are paying, then the SOL is a moot point.  I think the OP is wondering that since they wouldn't take the PFD, if they just paid, could they send a GW with the payment.  My opinion?   Of course, send it in.

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 5 of 9
Epic Contributor

Re: GW letter with payment or after.


Shogun wrote:

guiness56 wrote:

Ok got it.

 

It could work or they will just take your money and ignore the GW.

 

Are these still within your state suing SOL?


If they are paying, then the SOL is a moot point.  I think the OP is wondering that since they wouldn't take the PFD, if they just paid, could they send a GW with the payment.  My opinion?   Of course, send it in.


I know.  I was going to mention settlement if they were outside SOL.

Message 6 of 9
Moderator Emeritus

Re: GW letter with payment or after.

I see where you were headed with that now. I need more sleep.
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 7 of 9
New Contributor

Re: GW letter with payment or after.

They are 1 to 2 years old and I know I have to pay them, just wondering if anyone had any luck getting them deleted after getting no response from the PFD letter.

Chase CSP $5000 | Capital One $4500 I Amex Delta $3000 I Amazon Visa $1000 I Walmart $1100 | Wells Fargo Visa $800 | Care Credit $5000 I Discover IT $500| Victoria's Secret $1450 | Capital One Playstation $1300 | Lowes $800

Scores: EQ:642 EX:655 TU:660

Message 8 of 9
Moderator Emeritus

Re: GW letter with payment or after.

     They are pretty recen so probably within the SOL.  You've tried the PFD route and they didn't go for it.  So yes, I would pay and go the GW route now.

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 9 of 9