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GW letters

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Kat78
Valued Member

GW letters

OK so Ive sent several emails and letters for good will removals on late payments with no results. How often do I need to send these, I dont want to quit cause I know in long run someone bound to remove, hopefully, but getting discouraged. I keep getting the result that they are true late payments and they cant take off the credit reports. Some for student loan that goes back to 2008, and since has not had one late payment. 

Message 1 of 8
7 REPLIES 7
SunriseEarth
Moderator Emeritus

Re: GW letters

I'd recommendly monthly if you're sending physical GWs and weekly if you're sending emails.   GW is part luck, part persistence.

How late are the lates?   If they're back from 2008, the 30 and 60 days probably have a very limited impact (if any at all) on your scores. 



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 2 of 8
Kat78
Valued Member

Re: GW letters

The student loan was from 2008 and it also has listed 120 and 180 days late, prior to forebearance. I set up auto pay on accounts in 2008. Do these have any effect on the score Since it has been that long?

Message 3 of 8
guiness56
Epic Contributor

Re: GW letters

Those kind of lates will affect you for 7 years.  They are considered major derogatories.

Message 4 of 8
Kat78
Valued Member

Re: GW letters

I know that's why I hope to get those removed at some point. I'll keep trying. Thanks

Message 5 of 8
SunriseEarth
Moderator Emeritus

Re: GW letters


@guiness56 wrote:

Those kind of lates will affect you for 7 years.  They are considered major derogatories.


+1

 

OP, who is servicing the SLs?



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 6 of 8
Kat78
Valued Member

Re: GW letters

kentucky higher ed

Message 7 of 8
baller4life
Super Contributor

Re: GW letters


@SunriseEarth wrote:

I'd recommendly monthly if you're sending physical GWs and weekly if you're sending emails.   GW is part luck, part persistence.

How late are the lates?   If they're back from 2008, the 30 and 60 days probably have a very limited impact (if any at all) on your scores. 


+1 on goodwills. Lates affect you negatively for 7 yrs.

Message 8 of 8
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