cool. thanks, i feel better about checking that little box now.
one last question before using PFB...what "topic" do you generally chose for a gw? there are so many choices, billing? cust. serv.? other?
i am crossing my fingers that this works w/capital one. they told me when i called to get a lower apr that they couldnt at the time cause it was their policy that you have to have at leat 12 months of on time payments...that week i got 2 emails, one for each account, that my rate was lowered. not by much, but any change lower is in the right direction. as of this month i have 12 mo. no lates, and both accounts only show 1 time 30 day in 2005......so wish me luck!! i havent heard great things about them being friendly, but so far they were nice to me 
@oneilldn wrote:
Correct, only to the company you are sending the letter to., Also I will recomend to write an email to the CEO. You can probably find the email online. I wrote a GW email to the VP of ACS students loans for some lates two weeks ago. Three days after some one from his office emailed me that they were looking into it. I just pull me reports today and guess what? three 30, three 60, one 90 and one 120, all gone...., the secret is NEVER GIVE UP....
Do you have that contact information? My husband has two 60 days late which I am trying to write a GW to get removed from his credit report. I also sent emails (throught the websites once I was signed in to the accounts) to get 4 x 30 day lates (eek) removed from his Lacks account (only reported by TU), 1 x 30 day late from Capital One, 1 x 30 day late from Home Depot. I have also submitted a removal request to TU for an account that had gone to collection for him back in 2004 - it is due to go off in September anyway but the company would not help me out with an early removal (even though it was medical).
The last ones I have to do are ACS and then the scary one - Bank of America. With that he got 150 days delinquent and they closed the account. We are still paying it down with them but I just don't know how open they are going to be to any goodwill measures even tho I have paid the minimum or more for a year now! Anyone got any advice on that? This is my first time writing GW letters and I only did so after being inspired by what all of you wrote in this thread.
Thanks!
Susy, i have sent you the contact info via PM.
As far as the other late payments, research the email address of their big guys and send them GW emails, dont waste your time with customer service. Go straight to the big guys (they got there for a reason). IMO, the trick about GW emails/letters is Not giving up and been patient, it only take the right person on the right day to help you....
Good luck....