Re: ACS GW...Bypassing ACS and going to lender?

awdsmama · ‎01-20-2012

As most people on the board, I haven't had luck with ACS granting me GW on late payments.

I was wondering if I bypassed them and went to the lender (SLMA on one, BofA on two) has worked for anyone?

If so and you still have the contact information you used I would VERY MUCH appreciate it!

Thanks

EQ MyFico: 2/16/2013: 703 TU MyFico: 680 on 2/16/13
Discover IT $4,000 / CU Visa $500 / JC Penny$500

Barris · ‎12-04-2012

It would probably not work simply because ACS is pretty hard to negotiate with and to put it very bluntly, these people gain nothing out of granting a GW delete.

ceemee2203 · ‎07-27-2012

If BofA sl department is anything like their CC dept., they probably won't be of any help.

But I'm always of the opinion that you can't win unless you try.

How late were the payments?

Starting Score: 702 (07/27/12 EX AMEX Pull)
Current Score: 734 (04/03/13 myFICO) / 740 (CS) / 749 (CK)
Goal Score: 800
Current Cards: AMEX PRG, AMEX BCE, BofA Travel Rewards with EMV

awdsmama · ‎01-20-2012

ceemee2203 wrote:
If BofA sl department is anything like their CC dept., they probably won't be of any help.

But I'm always of the opinion that you can't win unless you try.

How late were the payments?

one each of: 60,90,120

EQ MyFico: 2/16/2013: 703 TU MyFico: 680 on 2/16/13
Discover IT $4,000 / CU Visa $500 / JC Penny$500