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Valued Member
ajsgurl0805
Posts: 40
Registered: ‎03-24-2014

My GW strategy paying off!

Not sure if everybody does it this way but on my GW journey I decided to send my letters to both the OC and the CA. I started sending out letters at the endo of March and beginning of April and I received a call from a CA of one of my accts that stated they would just send "paid in Full", that wasnt gonna help me because thats what it was already reporting so I though ok thats that. that was one of my most important collections that I wanted removed but about a week later I received a call from the OC of that same collection about another small acct that was not yet paid but was never reported somehow and before anything can be done I would need to pay the $31 for my sons circumcision...lol. I told her to send me the bill and I will send the check. She sent the bill, I sent the check along with another copy of the GW letter. I got a call on Wednesday and she stated that as of 4/9 the CA removed the acct from my credit report. Thank you Jesus!

 

Next success story, I had 4 small accts from my current medical facility from last year and 2012. I was very upset by these collections because they were 4 individual very small accts ( $10, (2) $29, $251). These were also my only recent ones. So after sending an email to the customer care cented for the OC I got a nsty email back only stating "No changes will be made to your acct"...that was all it said, no name or greeting or anything else so I thought I was screwed. And after that I sent the GW letter to the CA and the OC. Mind you they are in the same area so it only took like a day to get to them by mail so after not hearing anything I figured I will never get these accts removed. Well yesterday while ironically at a dr appt at the very medical facility, which by the way I love, I received a call from the lady from the CA that I was making my payments too and she said "I received your letter about getting your accts removed and as a courtesy I will remove them"....OMG I was floored, I even told her I was about to cry which I was. She stated that because there were multiple with the same amount it would be easier for her to report for removal if I disputed them online so that way she can get it done quicker. She stated that she wouldnt make me wait the 30 days and it should only take about 3-5 days that way I can apply for my mortgage loan! I love her!

 

I BBB one of my other accts which was my largest and the reason for my denial last year. I actually have good reason not just because it is hurting my credit. So I am still waitiging on that. I think I will just give up on Verizon and Midland because they are paid for over 2yrs now so I am hoping that they dont pose a threat to my pre-approval.

 

What do you guys think! Sorry so long but I am over the moon right now giving the year that I am having.

 

Happy Easter and have a great day!

Starting scores: Myfico(all) EX:673 EQ:667 TU:692 (4/27/14)
Lender pulled: EX:699 EQ:686 TU:675 (5/2/14
Goal: 700
Established Contributor
Whitneyy
Posts: 1,066
Registered: ‎12-25-2013

Re: My GW strategy paying off!

That sounds so good! Congrats to you!

My Rebuilding Journal
Current Score (01/28/14) - 555 (Via MyFICO Scorewatch)
No credit score pull until January 2015!
Current Goal, no collections. Only positive tradelines!
Valued Member
ajsgurl0805
Posts: 40
Registered: ‎03-24-2014

Re: My GW strategy paying off!

Thank you!

Starting scores: Myfico(all) EX:673 EQ:667 TU:692 (4/27/14)
Lender pulled: EX:699 EQ:686 TU:675 (5/2/14
Goal: 700
Frequent Contributor
lavencedora
Posts: 293
Registered: ‎11-04-2013

Re: My GW strategy paying off!

Congrats on the excellent progress!!


Starting Score: TU 490 on 11/2012
Current Score: From 5/2014:TU 651 (lender pull), EQ 686 (myFICO), from 6/15/2014 EX 690 (myFICO)
Goal Score: 700+


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Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: My GW strategy paying off!

Great work!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
ajsgurl0805
Posts: 40
Registered: ‎03-24-2014

Re: My GW strategy paying off!

[ Edited ]

Thanks guys! I'm thinking about sending an edible arrangement because I am soooo grateful! Too much!?

Starting scores: Myfico(all) EX:673 EQ:667 TU:692 (4/27/14)
Lender pulled: EX:699 EQ:686 TU:675 (5/2/14
Goal: 700
Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: My GW strategy paying off!

Nice touch, but a bit over the top.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
alvon123
Posts: 5,359
Registered: ‎09-24-2013

Re: My GW strategy paying off!

congrats

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