New Contributor
caliking
Posts: 72
Registered: ‎06-06-2007
GW letters really work...
When I first got on these boards I sent out GW's to most of my creditors to delete some late pays as well as started disputes with cra's. Got a few things corrected with the cra's but nothing on the GW's. Well, I'm pleased to report I now have 3 successes with GW's! The latest coming today from Citimortgage. I had a 30 day late from 2004. Resent them a gw in Sept. Just got a response from them today saying that they were removing the 30 day late and that it took up to 60 days to see the correction on my CR's. I don't know how much that 30 day late was hurting my scores but I'm happy it will soon be removed altogether. The other 2 gw successes came from Bloomingdale's removing 1 30 day late and the other from Macy's removing a 30 and 60 day late. Bringing both accts current never late. From the info I've learned on this site as well as listening to ClarkHoward, I've brought all 3 of my fico's from mid/high 500's to all 3 above 675 and I'm on my way to 700. I've also changed my spending habits considerably. Thanks so much myfico forums.
TransUnion712Date:10/09/2008/Equifax691Date:09/09/2008/Experian692Date:09/08/2008