I just checked my TC reports and noticed that my good will letter to Chase worked! It didn't do much for my TU score but my Experian score shot up 55 points! Equifax still has not updated, I will check that in a couple of days. I know FAKO scores are highly inaccurate but at least I know I am moving in the right direction and it's all thanks to the wealth of information I am receiving from this board, you guys are AWESOME so Thank you, Thank you, Thank you everyone!!! Have a great weekend!!!
Sorry, I should have clarified what the change in my credit report was. Originally I had a few 90 and 60 day lates and the account was closed with a statement of "Settled for less than original amount owed". I wrote Chase to remove the lates and statement and they completely removed the tradeline's from my CR reports. Originally it was supposed to fall off in May of 2009 so this early gift from them is well appreciated!!
Wow, Congrats! I have GW Chase 3 times trying to get them to remove 3- 30 day lates that are over 3 years old. They won't budge. I just keep getting the standard response- no they have a responsibility to preserve the reporting system .... I have been using this same address as well. I will keep trying and see if I can make any progress.
How many letters did you have to write? Did you use the standard GW letter template shown on the board?
Thankfully, I only had to write that one GW letter for it to work and yes, I did use the standard template that I found in this Forum. Maybe they cut me a break seeing as it was going to fall off next year anyway. Good luck to you!