ACS GW Success!!!
04-28-2011 08:21 AM
Just wanted to share my GW success with everyone. I'm soooooo excited!!!! A few months ago, I was under contract on a new home and my lender sent me an urgent email stating my FICO dropped 130 pts. I investigated why and there was a mistake from my credit union (i've since had fixed) and also a 60-day late from ACS (Jan 2011) I knew NOTHING about. I've always had a good payment history with them and I didn't realized I was late. Of course, this destroyed my new house plans but I was determined to bounce back even if it took a year or more....
After talking with a few people on this board, especially nyqutie, I decided to try and GW ACS. I contacted the angel there 3 weeks ago (sent 3 separate emails) and yesterday I received the following email:
I received your email and the requests you sent to the ACS Board of Directors. I am reviewing your account information and will be in touch by close of business tomorrow (Wednesday 4/27) with the outcome of my research.
I appreciate your patience while we completely look into your account information to see if there is any way to grant your request.
Needless to say, I was just excited to get a response. Well, here's what I received this morning:
I have researched your account and determined taking into consideration the overpayments you made, I am able to submit a request to clear the 60 day delinquency that was reported. To date you have been in repayment 52 months and the funds received were equal to 53 payments. Sufficient enough to make the adjustment.
I have submitted the request the three Major Credit Bureaus to remove the 60 day delinquency. Industry Standards allow 30-45 days for the bureaus to update the information.
If I can be of any further assistance, please feel free to contact me directly.
WOOHOO!!!!!! I'm too thrilled! I'm on my way back to the 750+ club and to buying another home!!! Thanks again, nyqutie, for the info/encouragement and others of you for the encouragement!!!! If there's someone out there trying to get GW success, DON'T GIVE UP!! IT WORKS!!!!!!
Starting Score: 652 EQ 3/2011
Current Score: 722 EQ 5/19/2011
Goal Score: 750
Take the FICO Fitness Challenge