Wells Fargo Home Mortgage

Anonymous · ‎01-23-2009

Hi!

Has anyone had any luck with removing 30 day lates with Wells Fargo Home Mortgage? If so, please share your story / information.

Thanks in advance.

Rhea

Lel · ‎01-23-2009

If the 30 day lates are legitimate, then I believe it is against forum rules to discuss removal/deletion of accurate information.

203bravo · ‎01-24-2009

Have you surfed the mortgage threads to see if anyone has had any GW success with them?

marty56 · ‎01-24-2009

@Lel wrote:
If the 30 day lates are legitimate, then I believe it is against forum rules to discuss removal/deletion of accurate information.

I would send them a GW letter. Lots of information here in doing so. They may not do it but it wont hurt to try.

1/25/2021: FICO 850 EQ 848 TU 847 EX

Anonymous · ‎01-24-2009

I have not had experience getting lates removed from mortgages loans (because I don't have a mortgage loan), but I have had recent success getting them removed from a credit card on all three bureaus. I wrote a goodwill letter to the card company. My advice is to research on the internet and locate the physical work address of the highest ranking person available. Compose an honest letter asking them to remove the lates because you are trying to improve your score, get a mortgage, etc. If you have had a 4 to 6 month history of paying on time AFTER the one 30 day late, you are likely to be successful. Don't try to call, just compose an honest, respectful letter.

Anonymous · ‎01-24-2009

Thank you.

Anonymous · ‎01-24-2009

@Lel wrote:
If the 30 day lates are legitimate, then I believe it is against forum rules to discuss removal/deletion of accurate information.

I haven't been here in a while; but, I am "well aware" of forum rules and would not have posted such a question under those circumstances. But, THANK YOU Lel, for your concern.

Lel · ‎01-24-2009

It's also highly possible that I don't understand the rules correctly.

llecs · ‎01-24-2009

Lel wrote:
It's also highly possible that I don't understand the rules correctly.

Talk of removing lates is permissible if in the context of a mutual agreement between creditor and yourself via a GW as an example. You'd ask for some goodwill for past mistakes. Also talk of removing lates is allowed if the late was incorrectly reported and you can back that statement up. What is not allowed is engaging in unethical or illegal behavior to remove legit lates via lying to the CRAs or to the creditor or using a credit repair service.

Lel · ‎01-24-2009

@llecs wrote:
@Lel wrote:
It's also highly possible that I don't understand the rules correctly.
Talk of removing lates is permissible if in the context of a mutual agreement between creditor and yourself via a GW as an example. You'd ask for some goodwill for past mistakes. Also talk of removing lates is allowed if the late was incorrectly reported and you can back that statement up. What is not allowed is engaging in unethical or illegal behavior to remove legit lates via lying to the CRAs or to the creditor or using a credit repair service.

That's what I was thinking about. I think people have gotten into trouble here when they ask about disputing legitimate information on the credit report. The GW approach - which I assume includes acknowledgement of one's own fault - is a common (and often successful) practice that is advocated by many.

Thanks for the clairification.

See, FHRhea? I told you that I could be wrong, and I was!