JS
New Member
JS
Posts: 1
Registered: ‎07-05-2007
Re: GW Example Letters
If my husband and I have an account jointly, do we need to write two letters or will one do? 
 
This is the first time that I have heard of the possibility that a letter could help.  We have been nursing our credit back to health for two years.  A very slow process!  Thanks.
Valued Member
demitasse03
Posts: 46
Registered: ‎06-16-2007
Re: GW Example Letters
[ Edited ]
Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.


Message Edited by demitasse03 on 07-08-2007 12:43 PM
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
Re: GW Example Letters


demitasse03 wrote:
Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.


Message Edited by demitasse03 on 07-08-2007 12:43 PM

Never hurts to ask!
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
Re: GW Example Letters


JS wrote:
If my husband and I have an account jointly, do we need to write two letters or will one do? 
 
This is the first time that I have heard of the possibility that a letter could help.  We have been nursing our credit back to health for two years.  A very slow process!  Thanks.


You should each send one.
Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
Re: GW Example Letters


JS wrote:
If my husband and I have an account jointly, do we need to write two letters or will one do?

DW and I sent one GW letter to Chase. Three accounts--hers, mine and ours. One GW letter worked for both of us for all 3 accounts.
 
Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
Established Member
creech69
Posts: 46
Registered: ‎07-30-2007
Re: GW Example Letters - Links to more letters
Thank you for the awesome sample letters.
 
I willbe sending out 4 GW letters on 7/30/07.
 
~BOA
~Discover
~Direct Merchants Bank
~Household Bank
 
I will keep everyone posted on the outcomes.
 
 
8.25.07----656
7.28.07----637
5.20.07----580
Contributor
bsf56
Posts: 93
Registered: ‎07-31-2007
Re: GW Example Letters
I have a paid hospital collection that I would LOVE to remove.  Should I send the letter to the hospital or the collection agency?

Thanks!
Regular Contributor
KevKaos
Posts: 137
Registered: ‎04-20-2007
Re: GW Example Letters
[ Edited ]


Tuscani wrote:


demitasse03 wrote:
Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.


Message Edited by demitasse03 on 07-08-2007 12:43 PM

Never hurts to ask!


You really think it might have a chance?  I'm 3 for 3, and I would hate to break my streak.  In my case, my accounts were not late or any other baddies right up to the date of my BK filing.  In those cases, the account is reported as Closed - Included in Bankruptcy or something along those lines.  I wonder if doing a GW letter in that case would really do me any good or not. Maybe if they dropped the whole account off of my CR, it might help.  But that begs the question, should those accounts described above disappear after 7 years (which is next year for me)? If not, would I dispute them as being older than 7 years old to make them go away? If just seems to me that there are some accounts on my CR which are older than 7 years.


Message Edited by KevKaos on 07-31-2007 09:14 AM
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
Re: GW Example Letters


KevKaos wrote:


Tuscani wrote:


demitasse03 wrote:
Foreclosures deleted via GW?  Has anyone had success doing this?  Mine was with National City Mortgage in 2002.


Message Edited by demitasse03 on 07-08-2007 12:43 PM

Never hurts to ask!


You really think it might have a chance?  I'm 3 for 3, and I would hate to break my streak.  In my case, my accounts were not late or any other baddies right up to the date of my BK filing.  In those cases, the account is reported as Closed - Included in Bankruptcy or something along those lines.  I wonder if doing a GW letter in that case would really do me any good or not. Maybe if they dropped the whole account off of my CR, it might help.  But that begs the question, should those accounts described above disappear after 7 years (which is next year for me)? If not, would I dispute them as being older than 7 years old to make them go away? If just seems to me that there are some accounts on my CR which are older than 7 years.


Message Edited by KevKaos on 07-31-2007 09:14 AM

Hard to say... IMO, the .41 is worth a shot. :smileyhappy: