Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

ACS GW...Bypassing ACS and going to lender?

As most people on the board, I haven't had luck with ACS granting me GW on late payments. 

 

I was wondering if I bypassed them and went to the lender (SLMA on one, BofA on two) has worked for anyone?

 

If so and you still have the contact information you used I would VERY MUCH appreciate it!

 

Thanks  Smiley Happy

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Highlighted
Established Member
Posts: 113
Registered: ‎12-04-2012
0

Re: ACS GW...Bypassing ACS and going to lender?

It would probably not work simply because ACS is pretty hard to negotiate with and to put it very bluntly, these people gain nothing out of granting a GW delete.

Regular Contributor
Posts: 203
Registered: ‎07-27-2012
0

Re: ACS GW...Bypassing ACS and going to lender?

If BofA sl department is anything like their CC dept., they probably won't be of any help.

But I'm always of the opinion that you can't win unless you try.

How late were the payments?
Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: ACS GW...Bypassing ACS and going to lender?


ceemee2203 wrote:
If BofA sl department is anything like their CC dept., they probably won't be of any help.

But I'm always of the opinion that you can't win unless you try.

How late were the payments?


one each of: 60,90,120

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.