Rebuilding Your Credit

[jeffgucci]

I have followed what you guys said about GW letters. I researched contacts @ BoA. I found a bunch of emails for people in card services, and emailed them. Its been about 3 weeks and no response. I came to grips that I would just pay it. It was not sold to a CA yet but they did forward it to a CA. So I was reading how to get around that. I took some advice and went into the branch were I got the card, I did have the amount to pay it off in my hand. The rep took the card called some other office, she was on the line about 15 minutes and she turned to me said these words...It appears a Sr VP, intervened on your account as of 2/15/2011. The balance was zero, and the entire TL was in the process of being deleted from all my reports. I'm not lying when I say a tear came to my eye . It felt so good. I thanked GOD! He definitely heard my prayers. I can't wait to see what this does to my score....700 I'm coming!

[Walt_K]

So they deleted a tradeline for you where you still owed a balance?  Am I understanding that correctly?  Congratulations.  I have had no luck in getting to them to remove some late payments where I paid them back in full.

[jeffgucci]

Yep she said it should report on the next cycle as it was just initiated on 2/15. I'm telling you...ever seen a grown man cry...lol...I have read the forums about having no luck with them....and about drafting GW....cant believe it worked, but I grateful it did.

[creditscore720]

Congrats!! Could you PM me the email addresses that you worked for you thanks and again Congrats!!

[dxd8216]

I need help with my credit scores. I do not know where to start?  525 547 575 I really want to purchase a home I have credit reports and I am registered with creditreport.com... Please help me.. my personal email is [Edited to remove personal information]

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HI dxd8216,

Please don't post personal information in the public forums for your own safety and security. You're welcome to exchange such information via PM's (Private Messages). Thanks for finding and contributing to our online family.

-Marinevietvet, myFICO moderator

[MBOhio2]

Please PM me with the BoA contact!

[WindBlazer3]

Wow - Please PM me with that contact information as well!  My gf has a 90 day late from 18 months ago that's the last negative she needs to have removed from her CR, but she's had no luck thus far even though the account has been PIF every month for 15+ mos.

Congrats!

[TayciBear]

If you don't mind pming me too. I have one 30 day late charge on a card thats been closed for 3 years.

[soccrstar]

same here! PM email address please!

[laurasiew]

Please, please, please PM me the email info.  I have a very similar situation! 

Thx