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Contributor
jeremyd82
Posts: 88
Registered: ‎08-17-2012
0

Re: Good Will Letters Going out in Tomorrow's Mail

I recieed a phone call from b of a after 9 letters in the mail that they are researching my concern and would contact me by phone again or mail. I guess that's better then a denial from the initial reciept.
8/2012 485 FICO
2/2013 611 FICO
6/2013 602 FICO

Established Contributor
kroberts67
Posts: 832
Registered: ‎03-04-2013
0

Re: GW Letter UPDATE!!!

That is awesome!!  Congrats!  This gives me hope for something I need to send out.  I got a verbal no but I'll send a GW til I hit the right person who's in a good mood and has had their lunch already.  :smileywink:



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

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Established Member
Aquinbean
Posts: 21
Registered: ‎02-28-2013
0

Re: Good Will Letters Going out in Tomorrow's Mail

Hey man, that's right.  Keep thinking positive, haven't you heard about the Secret? :smileyhappy:

 


Starting Score: 584 on 02/28/13
Current Score: 639 on 04/15/13
Goal Score: 700


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Regular Contributor
flashevo
Posts: 114
Registered: ‎07-12-2011
0

Re: GW Letter UPDATE!!!

Congrats on hearing back from Chase.  That's good news.  Go and do that dance now!!!

 

 

NFCU Flagship Sig (24.5k); NFCU CashRewards (24.5k); NFCU NavCheck (15k); Chase Sapphire Preferred (15k) ;Chase Marriott Rewards (14k);US Bank Flex Perks (9k); Barclays Rewards (8k); Chase Freedom (14k); BOA Travel Rewards Sig (20k); BOA Privileges with Cash Rewards Sig (9k); Discover IT (6.5k); Walmart Discover (3k); Wells Fargo Platinum (9.5k); Wells Fargo LOC (10k); Bloomingdales Amex (5k); Macy's Amex (5k); Paypal Extras Mastercard (6k); Bananna Republic Visa (5.5k); Lowes (6k); Sams Club Discover (5k)....In the garden since 8/15/13



Valued Contributor
mauve
Posts: 2,487
Registered: ‎02-18-2010
0

Re: GW Letter UPDATE!!!

Aquinbean, what % of your overall CL did those cards you just paid off represent?

 

I've found that the rule of thumb tends to be for each 10% of utilization you pay down, you get about 10 points on your FICOs.

 

SW will alert you to score changes ONLY if you remember to re-set the target score to the current one OR you cross the target score with the change.

 

SW will not tell you about a deletion at all, but you may see a score bump with a list of theoretical reasons, none of which will be a deletion.

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Established Member
Aquinbean
Posts: 21
Registered: ‎02-28-2013
0

Re: GW Letter UPDATE!!!

I paid off 30% of my CC Debt with the cards I just paid off.  Every card was near 98% utilization.  I'm not sure that all of the cards have reported since I paid them off, since my statement dates differ between some of them.  I have my target score set at 1 point higher than the last updated score - I can't imagine that it would be going down.   Are you sure that the SW will not tell me about a deletion?  What if it is a collection deletion?
mauve wrote:

Aquinbean, what % of your overall CL did those cards you just paid off represent?

 

I've found that the rule of thumb tends to be for each 10% of utilization you pay down, you get about 10 points on your FICOs.

 

SW will alert you to score changes ONLY if you remember to re-set the target score to the current one OR you cross the target score with the change.

 

SW will not tell you about a deletion at all, but you may see a score bump with a list of theoretical reasons, none of which will be a deletion.

 


 


Starting Score: 584 on 02/28/13
Current Score: 639 on 04/15/13
Goal Score: 700


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Member
Laxbam7
Posts: 8
Registered: ‎05-18-2012
0

Re: Good Will Letters Going out in Tomorrow's Mail

Good Luck!

 

 How are goodwill letters supose to mailed? Via reg. snail mail or do they need to be cert.?

 

 


Starting Score: EX 610 TU 680
Current Score: EX 657 TU 710
Goal Score: Overall 750


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Member
Laxbam7
Posts: 8
Registered: ‎05-18-2012
0

Re: Good Will Letters Going out in Tomorrow's Mail

I love the Secret!:smileyhappy:


Starting Score: EX 610 TU 680
Current Score: EX 657 TU 710
Goal Score: Overall 750


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New Member
familyman17
Posts: 18
Registered: ‎01-28-2013
0

Re: Good Will Letters Going out in Tomorrow's Mail

okay ill bite whats The Secret:smileywink:

Established Member
anewstart2013
Posts: 19
Registered: ‎03-12-2013
0

Re: Good Will Letters Going out in Tomorrow's Mail

That's great news!! I'm in the process of sending out GW letters for the same situation. I can't wait for my heart to race when I open my mailbox. Hopefully I'll have a little bit of the same luck you had. Thank you for posting!

March 13, 2013: FICO EQ 543
February 5, 2014: FICO EQ 603
Five accounts with negative indicators, 2 accounts in collections
In my wallet: Capital One Secured $500 / Fingerhut $500 / First Premier $700 / Credit One $300 / J. Crew $250 / Express $250

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