Has anybody had any success with getting late payment removals from these guys? They are where the bulk of my late payments are from, 12/12/1 minimum on the 30/60/90 report. They do not budge at all. I was also curious about CLIs from them with previous bad history, I've made one year of on time payments. I've gotten a $1600 CLI, was $500, from VS, and raised the USAAs by $500. Would just like one from them as well.
Most of my accounts show significant improvement, 3 of 4 charge offs changed to paid, 2 collections changed to paid, 3 of 4 student loan accounts wiped clean. The collections and some of the charge offs will be deleted once I close and start the dispute process again. Just trying to look for ideas for my last 4 accounts listed as negative, it was 12 negative accounts one year ago.
Who knows hopefully the mortgage helps if I'm stuck with those lates for another 6 years. Wish I would've known this years ago.
Most of my accounts show significant improvement, 3 of 4 charge offs changed to paid, 2 collections changed to paid, 3 of 4 student loan accounts wiped clean. The collections and some of the charge offs will be deleted once I close and start the dispute process again. Just trying to look for ideas for my last 4 accounts listed as negative, it was 12 negative accounts one year ago.
Who knows hopefully the mortgage helps if I'm stuck with those lates for another 6 years. Wish I would've known this years ago.
@Sneakytiki wrote:
Has anybody had any success with getting late payment removals from these guys? They are where the bulk of my late payments are from, 12/12/1 minimum on the 30/60/90 report. They do not budge at all. I was also curious about CLIs from them with previous bad history, I've made one year of on time payments. I've gotten a $1600 CLI, was $500, from VS, and raised the USAAs by $500. Would just like one from them as well.
Most of my accounts show significant improvement, 3 of 4 charge offs changed to paid, 2 collections changed to paid, 3 of 4 student loan accounts wiped clean. The collections and some of the charge offs will be deleted once I close and start the dispute process again. Just trying to look for ideas for my last 4 accounts listed as negative, it was 12 negative accounts one year ago.
Who knows hopefully the mortgage helps if I'm stuck with those lates for another 6 years. Wish I would've known this years ago.
One would not want to dispute valid debts paid or unpaid, GW letters is the way to have them removed. I have no specific knowledge on the Military card but I can say getting CLIs from them is most likely going to be several years post any late. I would just continue to hammer them with GW letters right to the office of the CEO till you get what you want or they drop from age. Good luck 
Yeah I figured. These guys have full reason to reject me after only a year. Maybe I'll have better luck in another year. Navient removed all lates after one year of on time payments on 3 accounts and that was a huge boost, 40 points. Was hoping they would do the same.
Thank you.