https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187332#M89335 <DIV>GW stands for good will right? What exactly is this letter, do you have an example of this? Thanks for your response!</DIV> Sat, 22 Mar 2008 22:11:16 GMT Anonymous 2008-03-22T22:11:16Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187319#M89327 <DIV>When I was in college I got a cell phone, long story short. I couldnt pay the bill it went into collections. My parents paid the bill and since that time it has been on my credit report as a <STRONG>KD </STRONG>AKA Key Derogatory. I dont exactly know what it meas. But, I think its bad b/c its the one things that has hindered my FICO score. Its been paid off for about 4-5 years now and I was wondering if I could contact the cell phone company to see if they can update it and start reporting it as soemting else since its been so long?&nbsp; Like I said its the ONLY thing affecting me now!</DIV> Sat, 22 Mar 2008 21:52:43 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187319#M89327 Anonymous 2008-03-22T21:52:43Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187325#M89331 <DIV>Send&nbsp;someGW letters, and dispute the items on your report.</DIV> Sat, 22 Mar 2008 22:01:17 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187325#M89331 ngerasimatos 2008-03-22T22:01:17Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187332#M89335 <DIV>GW stands for good will right? What exactly is this letter, do you have an example of this? Thanks for your response!</DIV> Sat, 22 Mar 2008 22:11:16 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187332#M89335 Anonymous 2008-03-22T22:11:16Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187569#M89385 <DIV>GW letters!</DIV> <DIV>&nbsp;</DIV> <DIV><A href="http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&amp;message.id=2661" target="_blank">http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&amp;message.id=2661</A></DIV> <DIV>&nbsp;</DIV> Sun, 23 Mar 2008 02:53:32 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187569#M89385 fused 2008-03-23T02:53:32Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187570#M89386 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> ngerasimatos wrote:<BR /> <DIV>Send&nbsp;someGW letters, and dispute the items on your report.</DIV><BR /> <HR /> </DIV></BLOCKQUOTE>Dispute what?<BR /> <DIV></DIV></DIV> Sun, 23 Mar 2008 02:53:50 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Key-Derogatory-on-Credit-Report/m-p/187570#M89386 fused 2008-03-23T02:53:50Z