Rebuilding Your Credit

[tcham54687]

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tidbit1 wrote:

Not me - I haven't had to deal with them. Mazda is my stickler.  

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Mazda/Ford Credit is my only bad account. A 30 day late from Nov 2006 and so far they won't budge. So they'll get a little GW love from me every 30 days until 2013. I have a stack of "Forever Stamps" and I ain't afraid to use them.

My last letter was to the Board of Directors at Ford. I got the standard letter back saying they are forwarding it to the proper blah, blah, blah for action...we'll see. But I have the next letter locked and loaded!

[tcham54687]

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Ally_j135 wrote:

Mailed out 6 GW's today and then I went to StarBucks.....lol.......All saved on my desk top..........Called Capital One (regular line) they transferred me to Account management once I told them I wanted a 90 day late removed........lady contacted the credit bureaus (her name is LEE)......stated should be recieving a letter as soon as they remove it.......was kinda shocked.........no more like very shocked..........wont get happy till i see it removed though!

EQ 618

EX 624

TU 593

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CapOne was very good to me. The deleted the account with a 120day late and updated the account with a 30 day late. It now shows as an excellent account with a 9year history and will be good for another 10years. Both accounts were PIF 3 years ago.

[Ceejay1978]

I wanna call and ask for LEE!!!!  And what was the number that you called???

[Ally_j135]

I called regular customer service at 1-800-955-7070 and then I got the regular rep who I explained the situation too and then they fowarded me to Account Supervising/management.......and "Lee" was actually really nice.....right before that happened I was disconnected from another woman in that department (phone called drop, my fault) who was pretty nice as well.  Seriously call....I think u can get more done with a phone call then a GW letter.

[Ceejay1978]

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Ally_j135 wrote:

I called regular customer service at 1-800-955-7070 and then I got the regular rep who I explained the situation too and then they fowarded me to Account Supervising/management.......and "Lee" was actually really nice.....right before that happened I was disconnected from another woman in that department (phone called drop, my fault) who was pretty nice as well.  Seriously call....I think u can get more done with a phone call then a GW letter.

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Ahhh there is hope!!! 

[stef37]

I am happy to report that I GW'd my last baddie today.  

Keep it up you guy's. It works with enough patience and the right person to help you.

[tidbit1]

Well, I'm having to wrap up my "good willing"...     I am cancelling my TC for a while at the end of the month so that I can get some other bills paid..    I hope I can do some good before then!

What is the best way to dispute inquiries?  That is what I have been working on today.  How do they verify whether an inquiry is valid or not?

[llecs]

Posting today's activities:

Sent 7 PFDs via mail to Verizon Wireless - last CO. I have no choice but to pay it at the end of this month.

Sent 9 GWs (2 via fax and 7 via mail) to CapOne for 2 lates in 2002.

Sent 7 PFDs to AFNI (1 Fax, 1 Mail, and 5 e-mails). This is my last CA. Unfortunately 2 of the e-mails were returned due to bad address.

That's all for today. More for tomorrow. Wish me luck.

[Jesedmotherof5]

Awsome--- Today is my fico GW  and letter day and I just have no energy! I sent a PFD update to western Dentals collection agency and they sent me my file information and DRiver Lic Picture...Guess they didnt like my terms! I just want to pay ti so it will come off and I dont want to pay the intrest.... I'll keep sending letters till its the last thing on my CREDIT REPORT!!! then i'll pay whatever they tell me... I know Im a sucker huh! Im just upset because the last thing I paid ened up showing 18 lates prior to the payment which hurt my EQ score ALOT since I have been late on one singe "revolving" Bill in three years!

[BungalowMo]

Just mailed 3rd GW to cap 1 & 3rd to MCM this morning.  I'd found better contact info for MCM & they actually want to see *Attn Credit Repair Dept on your envelope!  Hopefully they don't use that to screen the mail & pitch them in the trash!!