topic Re: I am sad in General Credit Topics

I am sad

ariesdreamer — Fri, 17 Aug 2007 00:23:31 GMT

I sent out 10 GWs during the first week of July and received 2 denials and no response from the rest. I run to the mailbox everyday just hoping there is a response to any of my other GWs and its driving me crazy! I'm not sure if it's worth my time since most of the GWs were regarding late payments during 2005-2006. Should I still send another GW to everyone?

I also did GWs to 3 different CAs I paid on from 2003 hoping they'd delete it since it was awhile ago. I wonder if I could ask the CRAs to delete it. Would this work? I doubt it but thought I'd ask...

Re: I am sad

Anonymous — Fri, 17 Aug 2007 00:27:39 GMT

Why not try. What do you have to loose it is already a neg right. If you fail it is still the same. But if you succeed you win a Positive. Don't give up keep your chin up. Have you tried Planet Feedback (PFB)yet. There are some success stories on here about it.

Re: I am sad

Anonymous — Fri, 17 Aug 2007 00:32:07 GMT

ariesdreamer wrote:
I sent out 10 GWs during the first week of July and received 2 denials and no response from the rest. I run to the mailbox everyday just hoping there is a response to any of my other GWs and its driving me crazy! I'm not sure if it's worth my time since most of the GWs were regarding late payments during 2005-2006. Should I still send another GW to everyone?

I also did GWs to 3 different CAs I paid on from 2003 hoping they'd delete it since it was awhile ago. I wonder if I could ask the CRAs to delete it. Would this work? I doubt it but thought I'd ask...

Cheer up where all here for ya and were all in this together, nobody said it was gonna

be easy, Keep trying and research more letter styles to send, also file disputes if

you see one thing wrong with the reporting, you get lucky and get a removal or 2.

Re: I am sad

ronq — Fri, 17 Aug 2007 00:40:49 GMT

I have lates from 2004 and 2005. The good thing is that my score went up when the last of my BADDIEs hit the 2 year mark. Just keep up the good work and keep trying. The worst they can do is say no.

Re: I am sad

ariesdreamer — Fri, 17 Aug 2007 00:49:57 GMT

Ok you guys convinced me then! I'll give it a try again. Never thought this would be time-consuming but it'll be worth it in the end. Thank you for the encouraging words everyone! It's nice that others understand. My family and bf think I'm nuts since I've been on a mission to tidy up my credit but they all have excellent credit so they don't know what I'm going thru.

Thanks guys!

Re: I am sad

Anonymous — Fri, 17 Aug 2007 00:54:22 GMT

I would imagine each time you send it someone new reads it. It won't hurt to send it again. Hehe. I have been pushing for something to be removed for months. It hasn't yet, but I keep trying. You might also add this is your second, third, .... letter and have received no response. Make sure the address are correct.

Message Edited by ilovepizza on 08-16-2007 05:54 PM

Re: I am sad

Anonymous — Fri, 17 Aug 2007 01:18:00 GMT

Pizza guy is right. I keep thinking someone nice will read my gw letter. I mailed it , faxed it (several times) and even fedexd it all in one week. I am not giving up. I'll let you know if it works..

Re: I am sad

Anonymous — Fri, 17 Aug 2007 01:25:34 GMT

Yep, keep going.
Try different paper.
Something other than the plain black and white.
Use different wording each time.
Dot your i's with hearts

Something may make someones day, and *poof* it'll be gone!

Re: I am sad

Anonymous — Fri, 17 Aug 2007 02:45:09 GMT

Make sure you check your credit report. I had two old accounts deleted and they never sent a response. My score just increased and I noticed the accounts gone. Check your credit reports.

Re: I am sad

Anonymous — Fri, 17 Aug 2007 03:46:41 GMT

ariesdreamer wrote:
Ok you guys convinced me then! I'll give it a try again. Never thought this would be time-consuming but it'll be worth it in the end. Thank you for the encouraging words everyone! It's nice that others understand. My family and bf think I'm nuts since I've been on a mission to tidy up my credit but they all have excellent credit so they don't know what I'm going thru.

Thanks guys!

Good for you, and remember you (we) got ourselves into this mess wether it being circumstances

beyond our control and not paying attention or in my case plain ole ignorence of credit management,

no one will fix it for you, but you and the help of the fine people here who are in exactly the same

boat as you are now and or at one time or another....don't give up untill close to 800 and it will take a few years to get there for sure....

Re: I am sad

ariesdreamer — Fri, 17 Aug 2007 03:55:35 GMT

creditsoaring2007 wrote:
Make sure you check your credit report. I had two old accounts deleted and they never sent a response. My score just increased and I noticed the accounts gone. Check your credit reports.

Hmmm, ok I didn't do that and I just happened to buy all 3 FICOs on 8/14. Thanks!

Re: I am sad

Anonymous — Fri, 17 Aug 2007 05:29:04 GMT

The only way to play th GW game is to have more perserverence than they do! Believe me - I've sent so many GWs that I'm sure some companies have secretaries saying -"Oh, look! Another letter from that crazy lady!" But I did get BOTH my collections deleted - Well, EQ needs to update - but one is off all three and one is off EX and TU.

Re: I am sad

ariesdreamer — Fri, 17 Aug 2007 05:39:00 GMT

I must say I admire everyone's persistence with GWs! I tend to give up easily so I will keep in mind the encouragement I've received here! You guys are certainly my support group!