Reply
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

ACS GW late while in deferrment?

I want to GW some late payments on 2 ACS tl's (lates at same time, I didn't realize a deferrment had come up, my address wasn't changed etc).  I fell 60days past due before I realized. This was in June 2011.  However I started college classes again Sept 2011 so I am back in deferrment.

 

Do I stand a chance of GW acceptance while in deferrment?   Didn't know if that mattered or not.

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
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: ACS GW late while in deferrment?

I can't speak for SLs, but I know you have a 100% chance of failure if no GWs are sent. I'd send them. Good luck!

Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: ACS GW late while in deferrment?


llecs wrote:

I can't speak for SLs, but I know you have a 100% chance of failure if no GWs are sent. I'd send them. Good luck!


Very true llecs, thank you for that reminder :-)

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
New Visitor
Posts: 5
Registered: ‎04-21-2013
0

Re: ACS GW late while in deferrment?

I had the same thing happen to me.  I just received a letter back (took less than 2 weeks) stating they never remove anything from credit reports.  True heroes.  What's next?

Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
Posts: 1,275
Registered: ‎06-09-2008
0

Re: ACS GW late while in deferrment?


sizsl wrote:

I had the same thing happen to me.  I just received a letter back (took less than 2 weeks) stating they never remove anything from credit reports.  True heroes.  What's next?


You can keep trying, or just wait for the negative information to age off your report.  Unless the information is factually incorrect, they don't have to remove it, and GWs are definitely hit and miss with most lenders.

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.

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.