11-01-2013 02:13 PM
I was just starting to lose hope and today, I received a phone call from the OC (Apartment complex) that won a default judgement against me 12/2011 for $2400 plus 6% interest and $70 court fees. I also have a CA for $4800 on my CR for the judgement. So on 10/16 I settled with FCO for $3100, they refused PFD....I figured I would GW them forever and work on getting the judgement vacated.
Back to the phone call....the office manager called to say she got my letter, spoke to their attorney and they would agree to my motion to set aside as soon as they received it. She also told me to come by the office to pick up a copy of the judgement satisfaction....said she was so happy that I was trying to purchase my first home.
I had never met this woman in my life, she made me promise I would e-mail her pictures of the house I get. Awesome.
Soooooo, don't give up on the GW letter writing. It takes patience, but what can it hurt??
11-01-2013 02:35 PM
That's incredible Congrats !
11-01-2013 09:28 PM
Congarts on a successful GW
11-01-2013 11:37 PM
11-04-2013 05:34 PM
Thanks for all the support everyone!! I went to the court clerk to file a motion to set aside a default judgement.....court date is set for 11/15 at 9:30am. I was told that it probably won't even go to court if the OC atty agrees with the motion. I was already told that they had...so really it is just waiting again. Once this is gone, I won't have anymore public records on my CR!!! Crazy thing is, it is not on Experian at all. After I get it removed, I am going to work on the CA tradeline that is listed for the same bill.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.