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I just wanted to take a moment to thank everyone here who's recommended to keep sending GW letters in the face of rejection -- and to encourage those like me who are working on cleaning up their reports.
I started sending out Dispute letters (for debts I don't recognize) and PFD or GW letters (for those I do) several months ago. My first round of letters was met with a wall of "Sorry but our company policy requires that we make no changes to accurate tradelines" responses. I kept sending out letters (picking a new person to write each time). I'm on my 3rd round of letters and I'm beginning to see some positive outcomes. I've had 3 collections removed entirely via PFD, 2 more removed on disputes when the CAs could not verify the debt, and today I received my very first "yes" to a GW letter!
It was from Salute (I had their card from 2007 - 2009). After 2 previous "sorry, we can't" responses, I received a letter today that says, "We have instructed the credit bureaus to delete the Salute trade line from your credit report."
Yay!
Never give up, people!
Congrats to you on all the year-end cleanup!!!!!
It's so true that persistence pays off...and you get a lot more flies with honey than vinegar. Keep those GW's on a friendly note & show remorse for the mess you made & remember there's a real person on the other end. Go for the heartstrings...especially over the holidays!
Congrats again....and have you checked for any score change???
Hi,
CONGRATS to your success!!! Do you mind sharing the contact information for GW to Salute? I have a credit card that is closed, paid in full before closing with a few lates and I really would like to get some help with deletion of the tradeline or the lates that have been reported in 2009.
Thanks so much.......in advance!
I also need help with the contact adress for salute. I have a $2 late charge thats hurting me. thanks