Had no idea what a GW or PFD was before I came across this forum. I started with late payments on 6 accounts (RS-Sam Ash, Express, Goodyear, Verizon Wireless, Dept. of Ed, FNB Omaha). 1 Month later, I have only FNB Omaha and the Dept. of Ed left. Thanks for the help!! My scores have gone up over 50+ points on all 3 reports. If only I could get the Dept. Of Ed. to drop the lates (from Oct. 07), I think I would be close to realizing my goal of 700! Here's to hoping! Good luck to everyone, keep trying! It does work!
Score went up 52 pts today!! (I have no idea how!)
Only late payment now is Dept. of Ed, but I have no late payments in a full year now. In the beginning of 2008, my scores were between 595-610. Now I am at close to 700, and 726 on one!!!
Thanks for all your help everyone here. I can finally realize my dream of owning a home (as soon as I find one). Keep at it, and great things can happen!
Im still fighting with:
Crap One- remove 2 lates
Walmart/GEMB- remove 2 lates
Chase-Lates that turned into CO but eventually paid off thru CACH
HSBC/Orchard- Lates--> CO paid thru CA but CA not on CR
Verizon- send PFD but never got a response.
Macys-said they would remove but havent yet
So i am going to try this "planet feedback" .....
Put me in the success column! In my fervor to clean up my credit, I somehow misplaced a Discover bill that went 30-days late this summer. Thanks to this forum, I immediately sent a GW and today I checked my Scorewatch alerts, and sure enough it's come off. Now I'm working on GW with BOA and Citibank for 60-day lates on closed accounts. They were opened only for a short time, so I'm asking forTL deletions. I'm not giving up until I hear YES!!!
Which address did you use for Discover? I sent a letter on Monday and used the one on the back of my statement which was the office that does reporting to the credit bureaus.