Established Member
Tasksgirl
Posts: 39
Registered: ‎09-30-2008
Re: GW Example Letters

‎09-30-2008 01:22 PM

Is it possible to get something off my report when I have already closed that account?
I've heard I can request my account to be re-opened if they agree to remove the bad stuff but then won't it hurt my report to open my account again?  I already have 4 credit cards open.  If it matters, it didn't affect my score at all when I closed it - as I thought it would.
(6,349 Views)
 
2008mess
New Visitor
2008mess
Posts: 3
Registered: ‎11-13-2008
Re: GW Example Letters

‎11-13-2008 01:27 PM

I mistakenly took a $300 Macy's balance that was not revolving as revolving, so it hit my credit report.    The minute I figured this out I paid the bill in full, however my score dropped 150 points. 

 

Is this a situation that can be explained in a Good Will Letter? 

(6,099 Views)
 
Frequent Contributor
thotgal320
Posts: 295
Registered: ‎08-14-2007
Re: GW Example Letters

‎11-13-2008 05:34 PM

Sending them out once again hope it works this time.
(6,106 Views)
 
cawunited
New Visitor
cawunited
Posts: 1
Registered: ‎10-30-2008
Re: GW Example Letters

‎11-16-2008 11:55 AM

Using a slightly modified version of the first letter here, I was able to get a 30 day late payment from a student loan taken off of my TU Report.  FICO went from 732 to 775.  Thanks!
(6,066 Views)
 
shona
New Member
shona
Posts: 2
Registered: ‎12-02-2008
Re: GW Example Letters

‎12-02-2008 05:39 PM

Tuscani thanks for all the excellent information.  I wish I had saw the PFD letter before I paid on a collections account.  Now that I have I was told by the CA that they would mail me a receipt of payment and that I should then send a dispute or GW letter to each CRA and that it would take 45 days for them to remove.  Did they just get over on me and can I can I expect the collections to be removed?
(5,945 Views)
 
brendilon
New Member
brendilon
Posts: 3
Registered: ‎02-13-2009
Re: GW Example Letters

‎02-13-2009 10:57 AM

How efective is a phone call versus a written letter?
(5,395 Views)
 
Moderator
Moderator
llecs
Posts: 31,455
Registered: ‎08-04-2007
Re: GW Example Letters

‎02-13-2009 01:09 PM

brendilon wrote:
How efective is a phone call versus a written letter?
Phone calls can work. The challenge sometimes is that a phone call gets limited to the front-line CSRs and sometimes you can't get any further than a manager maybe. A letter can direct any appear straight to the leadership of the company, if needed.
(5,400 Views)
 
elmehdi
New Member
elmehdi
Posts: 1
Registered: ‎04-13-2009
Re: GW Example Letters

‎04-13-2009 07:49 AM

Hi,

 

I know this is a long time that you have posted this, I have 2 "30 days missed" payements, one from Chase and the other one from Discover. I thought that I had setup the automatic payement from my checking account, which was too late when I discovered that I have not.

 

my question is what is the address that I should mail the GW letter to?? is it the one shown in my credit report??

 

Thanks in advance for you help :smileyhappy:

(4,762 Views)
 
Regular Contributor
isisblue
Posts: 145
Registered: ‎08-28-2007
Re: GW Example Letters

‎04-15-2009 04:38 PM

Chase
800 Brooksedge Blvd
Westerville, OH  43081
 
Cardmember Services
PO Box 15298
Wilmington  DE  19850
 
Cardmember Services
PO Box 94014
Palatine, IL  60094-4014

 

are the ones I have.  

Emailed Chase directly, turned down. Sent a GW letter. Here's to hoping!

Starting Score: EQ 433 12/2008
Current Score: EQ 649EX (LO Pull) 683 TU 663
Goal Score: 700 12/11

Take the FICO Fitness Challenge
All baddies gone! lates have hit the 2 year mark!
(4,716 Views)
 
Valued Member
Mel2010
Posts: 26
Registered: ‎03-23-2010
Re: GW Example Letters

‎04-05-2010 08:21 PM

Hello can someone pls tell me where I can see a copy of the GW letter pls thanks

Starting Score:EQ:599, TU: 602, 3/4/2010
Current Score:EQ-624,5/2/2010, 633 as of 5/11/2010
New current Score: EQ:638, TU:642 Ex:642 08/07/2010
Goal Score730

(2,513 Views)