Reply
New Contributor
knightlynews
Posts: 81
Registered: ‎01-29-2013

Re: Help With Cleaning Up Credit Reports, Old Collection Records, Some Charge Offs

What do you write in the GW letters? Does anyone have success with calling the companies and requesting? Or, is writing better?

Starting Score: 548
Current Score: EX686EQ682,TU???
Goal Score: 760


Take the myFICO Fitness Challenge

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Help With Cleaning Up Credit Reports, Old Collection Records, Some Charge Offs


DonJ0322 wrote:

So even though some the original creditors settled up or sold off the accounts, at this point the basic GW letter is all I can do?

 

Also, is it the standard procedure for GW letters to simply mail them to the account shown on the credit report?


Thanks


Settled is paid.  If they sold the accounts and you paid the CA you can still ask for a GW because even though they sold the debt their TL is still reporting.  And the debt was paid to the CA.

 

Yes, mail to the address on your CR.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Help With Cleaning Up Credit Reports, Old Collection Records, Some Charge Offs


knightlynews wrote:
What do you write in the GW letters? Does anyone have success with calling the companies and requesting? Or, is writing better?

You can.  Yes, there has been success by calling.

Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013

Re: Help With Cleaning Up Credit Reports, Old Collection Records, Some Charge Offs

I am dealing with creditor collections bureau now. Did you pay those accounts in full? If so I have a direct contact there that I can give you the contact info for.
Frequent Contributor
Melanie220
Posts: 400
Registered: ‎01-31-2013

Re: Help With Cleaning Up Credit Reports, Old Collection Records, Some Charge Offs

Escallate should also be easy to remove have been dealing with them a whole lot too. Have you called them and ask them to remove the accounts? They are really very easy to deal with? You must be pretty close to me we have the same collections accounts lol

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+