Re: GW Example Letters[ Edited ]
12-15-2007 03:45 PM - edited 12-15-2007 03:48 PM
Hi Newbie here - been reading the forums for almost 2 hours. Tons of great information! Two questions. First i have two baddies I want to resolve, and I think my only options are GW. First is an old moving violation/infraction that I didn't pay to the King County courthouse that was sent to collections. I paid the collection agency in 2004. Should I write a GW to the courthouse (OC?) or to the CA?
Next I agreed to settle an old credit card and had some 30, 60 and one 90 day late payments. The account has been closed also since 2004. Any suggestions on a GW for an account that has been settled or should I bother? I don't have the leverage of demonstrating that since the deliquency I have vastly improved my debt management... because the account is now closed
FICO (one doesn't show the collections obviously!): TU 672 EQ 742 EX 686. Been trying to get these number up for about 4 months now. Got a new CC with lower interest and took out a good size car loan ($25K). Just set my CCs to pay off in the next 9 months since I'm at 57% utilization now (total revolving debt $7749 with $2479 of that at HIGH interest, the remainder at 2.9%).
Any help greatly appreciated!! Thanks everyone for the great stories. Never thought I would have one in the 700s, and I'm pretty dang happy the two others even considering 700. --buddhagirl
Message Edited by buddhagirl on 12-15-2007 03:48 PM