Established Member
wvasweetness
Posts: 47
Registered: ‎02-14-2008
Re: GW this....support group!
Wow - that's sweet Busta!!
Frequent Contributor
charliebrown1370
Posts: 313
Registered: ‎06-26-2009
Re: GW this....support group!

Any luck with americredit if any will like to know thankyou

 

This was the last GW letter I sent to AmeriCredit. They have agreed to remove the negatives I asked for.

 

XXXXXX XXXXXXX, Executive Vice President

AmeriCredit Corporation

801 Cherry Street, Suite 3900

Fort Worth TX 76102

 

Re: Account # XXXXXXXXXXXX

 

Dear Mr.. XXXXXX,

 

Thank you for taking a moment to read this.

 

I am writing to ask you and AmeriCredit for a good will adjustment on my account. My auto loan was paid in full in November of 2007. I had, during the earlier days of the loan, a few 30-day late payments. They were my fault, the result of poor financial planning and foresight. I have, over the past several years, put my shoulder to the stone and worked very hard to pay all my debts on time. This was also the case with my account with your company. I was very proud of my progress toward becoming a credit worthy individual again. I was very much looking forward to my last payment.

 

My heart sank when I got my final payment and it was nearly 5 times the normal payment. I called the customer service people and they explained how the late payments earlier in my payment history resulted in additional interest owed. The result was reflected in my final payment. I explained that the amount I was paying each month was all I could afford and asked if I might continue paying that amount each month until my debt was settled. It was agreed that that was acceptable and I paid the remaining balance over the next few months. As I paid off the remaining debt I accrued 30, 60, 90 and 120 day late reports on my trade line with AmeriCredit. I understand all of this is, technically, correct. Again, I am not disputing any of this.

 

Mr.. XXXXXX, I am humbly asking for your help. Would you be willing to look at my account and offer me the courtesy of removing the late pay reports, due to the pay off arrangement, from my trade line? I know it is a lot to ask and it probably falls outside your normal business practices. I wouldn't ask if I weren't desperate. Without your assistance, all the hard work I have out into rebuilding my credit is negated by one payment reporting 120 days late. I am still, to this day, working diligently to be a credit worthy individual. My credit reports from the last several years are a testament to my efforts. Any accommodation or advice would be greatly appreciated.

 

Very respectfully,

 

CharlieBrown

 

 

Keep it real, keep it humble and most of all KEEP TRYING!

 

Thanks again to all of you for your guidance and hope.

 

CB

 

 


Starting Score: EQ 618 TU 585
Current Score: EQ 680 TU 698 EX 681 (lender pull 04/2010)
Goal Score: EQ 720 TU 720


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Valued Member
silentdance
Posts: 48
Registered: ‎04-30-2009
Re: GW this....support group!

BUMP!

...Bringing it back...


Starting Score: TU 552 EQ 565
Current Score: TU 665 EQ 674
Goal Score: 700+


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As a new (single) mom, my goal is to buy a great house by 2012. I'm busting tail to better my credit one day at a time, thanks to the help of this forum.


Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: GW this....support group!

Epic bump. Totally forgot about this thread!

Valued Member
silentdance
Posts: 48
Registered: ‎04-30-2009
Re: GW this....support group!
[ Edited ]

Haha, yeah I need all the support I can get. I just sent a PFD/GW email to a contact at Portfolio Recovery Associates. Hopefully he will be kind.


Starting Score: TU 552 EQ 565
Current Score: TU 665 EQ 674
Goal Score: 700+


Take the FICO Fitness Challenge



As a new (single) mom, my goal is to buy a great house by 2012. I'm busting tail to better my credit one day at a time, thanks to the help of this forum.


Valued Member
silentdance
Posts: 48
Registered: ‎04-30-2009
Re: GW this....support group!
[ Edited ]

WOW, I already heard back from the PRA contact. He said:

 

 Your email has been received and noted. In the spirit of good will,  I am closing  this account and requesting that it be removed from your credit file. A copy of this request will be forwarded to you for your records.

 

YEA YEA YEA!! Chalk one up to good will. Three years of trying finally pays off thanks to the help of the people on this site & the kindness of an employee I'll never meet. Awesome.


Starting Score: TU 552 EQ 565
Current Score: TU 665 EQ 674
Goal Score: 700+


Take the FICO Fitness Challenge



As a new (single) mom, my goal is to buy a great house by 2012. I'm busting tail to better my credit one day at a time, thanks to the help of this forum.


Established Member
NumberCrazy
Posts: 24
Registered: ‎12-02-2008
Re: GW this....support group!

silentdance wrote:

WOW, I already heard back from the PRA contact. He said:

 

 Your email has been received and noted. In the spirit of good will,  I am closing  this account and requesting that it be removed from your credit file. A copy of this request will be forwarded to you for your records.

 

YEA YEA YEA!! Chalk one up to good will. Three years of trying finally pays off thanks to the help of the people on this site & the kindness of an employee I'll never meet. Awesome.


Great to hear and yes waaaay fast response.  I will have to send a few GW letters here in the near future since my credit report is looking a lot better too.

Regular Contributor
HindSight_20_20
Posts: 177
Registered: ‎06-03-2009
Re: GW this....support group!

GW'd Wells Fargo/Wachovia,

asking for consideration to remove late's on a Checking Account Collection only, and within one week I received a letter saying they'd not only remove the late's but also the entire collection and 'poof' it was gone within a couple of days after I received the letter.

They were so nice and easy to work with it almost made me think something was up loll.

________________________________________________________________________________________________
I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Established Member
NumberCrazy
Posts: 24
Registered: ‎12-02-2008
Re: GW this....support group!

Yes I always worry there is calm before a storm.  One that I corrected now has a double posting so doubling my balance.  All I asked was for an update for my account instead they updated it AND double posted the account.  I am still trying to get them to correct a simple matter. Oh well it will get fixed one day.

Valued Member
pipergirl71
Posts: 46
Registered: ‎07-29-2010
Re: GW this....support group!

What a wonderful thread!  I hope we're able to keep it at the top and up to date.  Hopefully this will get me motivated.  :smileyvery-happy:


Starting Score 587 Current Score: EQ 656 3/14
Goal Score in 2014: 700 Club!!!!