01-01-2013 06:03 PM
Ok the only derog I have left on my credit reports (EX & TU only for some reason) is HSBC Bank, a credit card my (now) ex-husband maxed out without making a payment, and hiding the bills. It charged off in 2008 and I pulled my credit a few months later and saw the derog. I called and PIF immediately (obviously not knowing I could request a PFD). It still sits there as a PIF C/O last reported 10/2008, and I cannot for the life of me, find proof that I paid it, should I still try a GW?
01-01-2013 08:48 PM
Absolutely send them a GW. Get that in the mail.
01-04-2013 06:10 PM
So I have been searching, reading and reviewing all of the GW examples and I am kind of lost. I no longer have a relationship with this bank to mention being a good customer since the CO. I of course, can explain the circumstances behind the issue that led to the CO, but what else can I throw out there as a "hey be nice to me now because..." kind of statement?
01-04-2013 06:24 PM
IME I've found that keeping them short and simple is the best. Don't write a book. Just greet them, tell them a little about the situation and ask for their forgiveness. Of course with some I've had to ask many times. Write one and post on the boards, leave out all the personal information, and we will help you.
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.