Rebuilding Your Credit

[dnswife]

Thanks for the tip.  I'll look into it.

[thotgal320]

So I got my first response on one of my letters.  They state the past due reporting is not in their error so it can't be removed.

[NavyLifter]

Great news folks!  I received a positive letter back from Bank of America stating that they will report an updated version of my account to remove the 1 30-day late payment I had back in 2004!  I also received a letter from Citi asking for my social security number and the account number for a Citi card that I had late payments with!

The address for the Bank of America reply was:

PO Box 15128

Wilmington, DE  19850-5128

Keep up the faith!

[oneilldn]

Is this group dead??? Come on people...... keep it up....

[llecs]

OK, I'll update:

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llecs wrote:

llecs:

CapOne - unchanged

Verizon Wireless - accepted a PFD. Pd already. They confirmed that they will delete in 72 hrs.

Americredit - unchanged

AFNI - deleted

My scores have gone up about 30-60 points in past month and excludes VZW (to date).

DW:

No change at all    But her scores did go up around 30-40 pts each in July.

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llecs:

CapOne - They have WON the war!!! I give up, but for a reason. The lates (30 and 90, which are two months apart) were/are at 7 yrs old. This is one of my oldest TLs so I decided last fall not to GW them anymore out of fear they would delete. However, on January 1, my 30 day late was remeoved 3 months early off of EQ. I pulled my EX report in February and noticed that it came off 2 months early. On February 28, I pulled EQ FICO and saw that the 90 was still reporting. Since the 90 is two months after the thirty, I was hoping that would be removed too. Sure enough. On March 1, my 90 fell off 3 months early as well. I pulled EQ FICO again and the score dropped 17 points due to being rebucketed (last late). I anticipate the 90 to come off EX on April 1. They weren't reporting on TU.

Verizon Wireless - off in August.

Americredit - sent 3 GWs to remove lates and repo reference in December. No luck. Sent 4 in February. Diud receive a letter saying to call and that CSR said "No". I'll never give up on them.

AFNI - deleted as mentioned.

DW:

Still fighting a pd CapOne CO and a med CA. Took no action on these since summer. Nothing else is reporting I don't think.

[oneilldn]

Good for you, good luck. I been trying to remove 6 late payments from my ASC student loan, sent like ten letters and no luck. Today I got hold of the email of one of their vice P, for my surprise she emailed back and said she'll do everything possible to help me... so we'll see. I can't wait////

[javajunkie]

I thought Verizon Wireless was tought to get a PFD with. I sent them a PFD too, keeping my fingers crossed for some good news cause I sure could use it.

[llecs]

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javajunkie wrote:

I thought Verizon Wireless was tought to get a PFD with. I sent them a PFD too, keeping my fingers crossed for some good news cause I sure could use it.

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Good luck! Persistence wins with VZW. It took me dozens and dozens and dozens of PFDs (sent up to 12-15 per month) to get them to reverse course and accept a PFD. My last PFD went out via planetfeedback and an assistant to an exec called back and said yes to the PFD, but he also said that they accepted the PFD 2 months prior and that they have been trying to reach me (ahhh. No.).

[oneilldn]

BUMP>>>BUMP>>>BUMP>>> I'm determined to keep this group alive... so everyone using GW's keep posting your news/results here........

As for me, I just got a call from an executive in VZW about a GW I sent through PFB. I have a paid collection on my CR and I beguin them to remove it..... so she just call and told me that she was going to do everything she can and will get back to me..... Working working..LOL

[kaz_75]

Yesterday, I emailed Macy's a GW letter asking them to delete a 30 day late that was from July 2008. I received a response from them this morning. Not only are they deleting it from my account, but they are refunding the late fee!! I have only been reading this forum for about two weeks and am learning so much!! Thanks for the great advice.