TU score keep improving while the other two are not

[sghosh5]

My TU score jumped to 691 today as one of the other bad accounts and few inquiries from last year's auto purchase dropped. Now it shows if i pay off my current credit card balances my score will go upto 711-731. So close to that 700 mark ! But unfortunately EX and EQ scores are crawling around 660 mark. Still waiting for 2 major collections dropping off this year Sep/Oct. This forum helped me a lot in rebuilding my credit.

Does anyone have any experience with GW letter with Santander? I have lots of lates with my past auto loan with them and that is hurting me for getting a loan now. Also does anyone have any experience GW letter with Capital One. I had one secured credit card with them and was late on it and it was charged off. 

[gdale6]

Have no info on Santander. Grats on your TU success, keep up the good work

[Whitneyy]

Congrats on your success so far!

I can say that capital one is a tough nut to crack. I have read that people have had success writing Capital one in the online chat and sometimes even on Facebook! Good luck!