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Established Member
MortgageBound
Posts: 15
Registered: ‎03-28-2011
0

ACS GW Success!!!!!

Hi all!

Just wanted to share my GW success with everyone. I'm soooooo excited!!!! A few months ago, I was under contract on a new home and my lender sent me an urgent email stating my FICO dropped 130 pts. I investigated why and there was a mistake from my credit union (i've since had fixed) and also a 60-day late from ACS (Jan 2011) I knew NOTHING about. I've always had a good payment history with them and I didn't realized I was late. Of course, this destroyed my new house plans but I was determined to bounce back even if it took a year or more....

After talking with a few people on this board, especially nyqutie, I decided to try and GW ACS. I contacted the angel there 3 weeks ago (sent 3 separate emails) and yesterday I received the following email:

I received your email and the requests you sent to the ACS Board of Directors.  I am reviewing your account information and will be in touch by close of business tomorrow (Wednesday 4/27) with the outcome of my research.

I  appreciate your patience while we completely look into your account information to see if there is any way to grant your request.

 

Needless to say, I was just excited to get a response. Well, here's what I received this morning:

 

I have researched your account and determined taking into consideration the overpayments you made, I am able to submit a request to clear the 60 day delinquency that was reported. To date you have been in repayment 52 months and the funds received were equal to 53 payments. Sufficient enough to make the adjustment.

 

I have submitted the request the three Major Credit Bureaus to remove the 60 day delinquency. Industry Standards allow 30-45 days for the bureaus to update the information.

 

If I can be of any further assistance, please feel free to contact me directly.

 

WOOHOO!!!!!! I'm too thrilled! I'm on my way back to the 750+ club and to buying another home!!! Thanks again, nyqutie, for the info/encouragement and others of you for the encouragement!!!! If there's someone out there trying to get GW success, DON'T  GIVE UP!! IT WORKS!!!!!!

 

 


Starting Score: 652 EQ 3/2011
Current Score: 722 EQ 5/19/2011
Goal Score: 750

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New Contributor
nyqutie
Posts: 57
Registered: ‎06-10-2010
0

Re: ACS GW Success!!!!!

 


MortgageBound wrote:

Hi all!

Just wanted to share my GW success with everyone. I'm soooooo excited!!!! A few months ago, I was under contract on a new home and my lender sent me an urgent email stating my FICO dropped 130 pts. I investigated why and there was a mistake from my credit union (i've since had fixed) and also a 60-day late from ACS (Jan 2011) I knew NOTHING about. I've always had a good payment history with them and I didn't realized I was late. Of course, this destroyed my new house plans but I was determined to bounce back even if it took a year or more....

After talking with a few people on this board, especially nyqutie, I decided to try and GW ACS. I contacted the angel there 3 weeks ago (sent 3 separate emails) and yesterday I received the following email:

I received your email and the requests you sent to the ACS Board of Directors.  I am reviewing your account information and will be in touch by close of business tomorrow (Wednesday 4/27) with the outcome of my research.

I  appreciate your patience while we completely look into your account information to see if there is any way to grant your request.

 

Needless to say, I was just excited to get a response. Well, here's what I received this morning:

 

I have researched your account and determined taking into consideration the overpayments you made, I am able to submit a request to clear the 60 day delinquency that was reported. To date you have been in repayment 52 months and the funds received were equal to 53 payments. Sufficient enough to make the adjustment.

 

I have submitted the request the three Major Credit Bureaus to remove the 60 day delinquency. Industry Standards allow 30-45 days for the bureaus to update the information.

 

If I can be of any further assistance, please feel free to contact me directly.

 

WOOHOO!!!!!! I'm too thrilled! I'm on my way back to the 750+ club and to buying another home!!! Thanks again, nyqutie, for the info/encouragement and others of you for the encouragement!!!! If there's someone out there trying to get GW success, DON'T  GIVE UP!! IT WORKS!!!!!!

 

 


 

MortgageBound,


Congratulations I could not be more happy for you.  ACS was great to me as well got my lates removed and the representative I dealt with was A+++


You are right NEVER GIVE UP!


Starting Score: TU 450 EQ 491 (06 2010) Current Score: TU 746 EQ 747 EX 629 (Public Record "not" Mine can't get this darn thing OFF) (06 2013) Goal Score: TU 800 EQ 800 EX 700
Member
heligirl
Posts: 6
Registered: ‎05-02-2011
0

Re: ACS GW Success!!!!!

Congrats on your success!!!  I am trying to get some lates off of my ACS account.  Will you please PM me any contact info you have.

Thank you!!

Established Member
MortgageBound
Posts: 15
Registered: ‎03-28-2011
0

Re: ACS GW Success!!!!!

Heligirl,

 

Check your inbox!


Starting Score: 652 EQ 3/2011
Current Score: 722 EQ 5/19/2011
Goal Score: 750

Take the FICO Fitness Challenge

Member
heligirl
Posts: 6
Registered: ‎05-02-2011
0

Re: ACS GW Success!!!!!

Thank you so much mortgagebound!!

Established Member
sc0628
Posts: 10
Registered: ‎05-18-2011
0

Re: ACS GW Success!!!!!

 

Mortgagebound I sent you a PM as well. 

 

Thanks,

Sc

New Member
mrsfixit89
Posts: 4
Registered: ‎08-04-2011
0

Re: ACS GW Success!!!!!

Mortgagebound,

 

Do you still have the ACS contact information from your succesfull GW letteR?? I have sent several letters and had not luck!! My husband and I are hoping to buy our first home and these late payments are killing my score! Any help you can give would be greatly appreciated!! Thanks in advance!

New Contributor
orky626
Posts: 65
Registered: ‎07-29-2008
0

Re: ACS GW Success!!!!!

CONGRATS!! Can you share the contacts with me also?


Starting Score: 467
Current Score: 598
Goal Score: 700


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New Contributor
slg
Posts: 74
Registered: ‎03-19-2011
0

Re: ACS GW Success!!!!!

would someone be so kind as to forward me the contact with ACS that we have had the most luck on granting goodwills for late payments? Any help, name, address anything at all would be most appreciated.

 

 

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Established Contributor
dharalex
Posts: 607
Registered: ‎09-08-2011
0

Re: ACS GW Success!!!!!

I'm in desperate need to get this off. Like you, it's one 60 day late I don't know how I missed. I've had the loan since 2005 with perfect payment until now....I would appreciate anything!



Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Goal Score: 850

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