Reply
Contributor
_andClimbing
Posts: 101
Registered: ‎06-05-2008
0

Re: GW this....support group!

I received responses from Round 1 today:
- US Dept of Edu - deleting all lates (6 total of up to 120 days late), Capital One CC deleted all lates (2 x 30)
- Merrick said no, Cap 1 Auto said no

I also mailed round 2 today:
- HSBC (x4 new addresses)
- Orchard Bank
- Cap 1 Auto
- Americredit
- Merrick Bank

Between GWs, valid disputes, and paying down util %, my EQ Fico is +95 since May 11.

I've never posted before because you all hand me all the information I need just be reading and searching the existing threads. I can't thank you all enough!
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683
Contributor
_andClimbing
Posts: 101
Registered: ‎06-05-2008
0

Re: GW this....support group!

Forgot to mention - in Round 2, I changed my letters a little bit and added a bit of personal, hand-written text at the end of each. We'll see if that helps!
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683
New Contributor
2plus2
Posts: 69
Registered: ‎05-26-2008
0

Re: GW this....support group!

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)
Established Contributor
Jesedmotherof5
Posts: 537
Registered: ‎04-02-2008
0

Re: GW this....support group!

What address did you use for the department of education I have sent out three GWs to them for some lates and I keep gettting them back as undelverable.
 BTW that is a great start!!!
Keep going!
Jessica
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Contributor
_andClimbing
Posts: 101
Registered: ‎06-05-2008
0

Re: GW this....support group!

Congrats on your success!

I think I sent the Capital One GW that worked to:

PO Box 85049
Richmond, VA 23286-9228

I sent the standard GW letter from this site, with some customization based on my circumstances and info (apologies for lack of credit to OP, I can't recall who posted it).
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683
Contributor
_andClimbing
Posts: 101
Registered: ‎06-05-2008
0

Re: GW this....support group!

Thanks Jessica! I am so grateful for the helpful info on this site.

I sent the Dept of Edu GW to:

Direct Loan Servicing Center
PO Box 5609
Greenville, TX 75403-5609

Hope that helps!
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683
Regular Contributor
butterflygirlinluv
Posts: 153
Registered: ‎06-02-2008
0

Re: GW this....support group!

Hello!!
I love reading about everyones success and determination!!

I sent out a few GW a few weeks ago and received my first one back!! Target said they would delete my 4 lates and report it to CRA!
 
Today I received a letter from Wells Fargo (auto loan) and they said they will not delete any lates b/c it is accurate and they do not post information that is wrong.
What do I do??? Keep sending GW to them???
 
Can I send GW letters out to accts that have been closed but have many lates???
 
Thank you all for all the great guidance on this fabulous journey I have beguN!!!
Established Contributor
Jesedmotherof5
Posts: 537
Registered: ‎04-02-2008
0

Re: GW this....support group!

Thanks _andcliming!!!! Im going to get that out tomorrow on my good will tuesday!
Butterflygirlinluv- yes yes yes do send GW to closed account... keep on trying and never give up!
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
New Visitor
jjkdgps7
Posts: 1
Registered: ‎06-26-2008
0

Re: GW this....support group!

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.
Regular Contributor
tidbit1
Posts: 179
Registered: ‎09-16-2007
0

Re: GW this....support group!

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.
 
Good luck!

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.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}