I'm down to two baddies on my report. One is a charge-off from 2005 that is set to fall off in March or May. The other is a $2,200.00 collection that I've been paying off since 2010. I started paying it before I knew about MyFico and PFD's. At any rate, I finally made my last payment today. Yay! But now I get to start the GW process. I just mailed my first GW letter to their main office but I have several contracts (names and emails). What is the best way to approach it -- just mail them one at a time and wait for responses. Or just start writing every single contact I have right off the bat?
The CA is IC System btw.
Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico
My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)
My Primary Financial Goal is to put down my utl%.
