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It's been a while since I've visited this forum; but I am doing fairly well and on my way to "decent" credit. Before my app spree yesterday, I sat at EQ 678/TU 665/EX 664... and today I sit at 665/658/660 respectively, but with plenty of new accounts with decent credit lines to help allow my goodies to significantly outnumber the baddies.
With that said, I still have a couple of problem childs on my reports that I'd like to get taken care of:
That is the history of my 3 problem accounts; I have 2 other accounts... but they have 1 late each, and I believe I can get those removed with a GW letter. However the 3 accounts I mentioned above are fairly severe, and I really don't know how to begin with them.
With Santander, they are just notoriously unforgiving and I've only read about 2 instances where lates were removed. Given how many lates are on that account, I'm not sure if I should bother with GW letters... or if I should just continue to periodically dispute in the hopes that the lates get removed.
With Citimortgage, they transferred the account and they have no real vested interest to remove the lates. I could try GW letters, but not sure if there is a better approach in this situation; such as periodically disputing and just hoping I get lucky.
With Midland mortgage; their "repayment plan" has really left a bad taste in my mouth. This one has the best change of having a GW letter working, but based on how they handled my situation I am suspect that they will just give me the typical canned response of "we are legally obligated to report all accounts with 100% accuracy"., blah blah blah.
For those of you with Santander and Citimortgage, how would you try to handle getting the lates removed?
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I went ahead and wrote a goodwill letter for all 3 baddies and mailed them off, but I would still like to get input on how others here would handle it assuming that GW letters do not work.
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I feel your pain. I have Santander and sent them goodwill letters about two weeks ago. I got no response so I called on Wednesday. I spoke with the general customer service rep who couldn't help so she transferred me to the credit resolution team. Spoke with a nice guy there but he wasn't willing to help either. He stated that company policy wouldn't allow him to take the lates away.
I have two loans with them. One from 2008 that is paid off/closed/paid as agreed and has 9 lates at 30 days and my current loan has 6 lates of 30 days.
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