Can anyone post a GW letter that you've had success with for Capitol One? I also wanted to write that I had success with the Gap! They totally deleted my TL. But on a separate GW letter for my husbands account they wrote saying they were reporting correctly. Kind of funny - the letters obviously went to two different people. Jen
Me: EQ - 643, TU - 693 (04/09) EQ - 597, TU - 632, EX - 594 (03/09) EQ - 540, TU - 603, EX - 590 (6/08)
Hi everyone, We are VERY new to this whole repairing credit life but I am trying to get on the ball and get our Fico's up again... Any help will be awesome and GREATLY appreciated. 1- Can anyone send me copies of GW letters that I can send out or point me in the right direction of getting and idea of what to type up. 2- What kind of accts do GW letters work on? IE- Charge off accts? or just late pmt accts? 3- How long does it usually take before you start seeing a change? When I get more questions in my head to ask I hope it will be fine to come back and ask more questions... Thank you in advance.
Just type in the search box "goodwill letter" and you will get quite a few examples. As far as how long it takes to see a change - it depends on many factors such as how many you have, how old they are, and how receptive the companies are to your please. So basically, there's really no way to know.
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.