Reply
Valued Member
Posts: 40
Registered: ‎03-24-2014
0

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
Valued Contributor
Posts: 1,885
Registered: ‎12-25-2013
0

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
Posts: 40
Registered: ‎03-24-2014
0

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
Posts: 341
Registered: ‎11-04-2013
0

Re: My GW strategy paying off!

Congrats on the excellent progress!!


Starting Score: TU 490 on 11/2012
Current Score:12/26/2014:EQ 694, EX 708, TU 706 (all from myFICO)
Goal Score: 700+ for all three
Moderator
Posts: 13,279
Registered: ‎04-15-2011
0

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
Posts: 40
Registered: ‎03-24-2014
0

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
Posts: 13,279
Registered: ‎04-15-2011
0

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!
Senior Contributor
Posts: 10,034
Registered: ‎09-24-2013
0

Re: My GW strategy paying off!

congrats


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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.