topic Re: BEST APPROACH in Rebuilding Your Credit

BEST APPROACH

focused1914 — Mon, 05 Sep 2011 22:53:00 GMT

I'm currently dealing with GEMB.... I have a 30, 60, 90 day late on my CR's. I'm still making payments to them each month....l havent been late in over a year. What is the best approach to maybe getting them to remove those 3-4 times I have been late? Any advice is greatly appreciated. Thx

Re: BEST APPROACH

Anonymous — Mon, 05 Sep 2011 23:07:16 GMT

I'd write a GW letter once you've pif.

Re: BEST APPROACH

focused1914 — Mon, 05 Sep 2011 23:12:36 GMT

Thx for the tip...... you think they will only delete items after it is paid in full???

Re: BEST APPROACH

clemente21 — Mon, 05 Sep 2011 23:33:37 GMT

Is this account a charge-off or do you still have a open line of credit with GEMB?

Re: BEST APPROACH

Anonymous — Mon, 05 Sep 2011 23:42:05 GMT

@focused1914 wrote:
Thx for the tip...... you think they will only delete items after it is paid in full???

I'm sure people have gotten lates removed before actually pif, but if you're not planning on apping for anything (CC, car loan, home loan, etc) anytime soon why not just wait until you pif to try and get the lates removed?

Re: BEST APPROACH

focused1914 — Mon, 05 Sep 2011 23:44:08 GMT

Its not a charge off... Im still making payment each month.

Re: BEST APPROACH

focused1914 — Mon, 05 Sep 2011 23:46:00 GMT

my goal is to raise my scores.... I want to refinance my mortage soon.. (maybe by april 2012)

Re: BEST APPROACH

Anonymous — Tue, 06 Sep 2011 00:32:31 GMT

I just had success with a GW letter for 1 30 & 60 day later with an open account with HSBC. Taking the GW approach certainly won't hurt you any.

Re: BEST APPROACH

focused1914 — Tue, 06 Sep 2011 01:11:07 GMT

was your account still open??? I will give it a try..

Re: BEST APPROACH

Anonymous — Tue, 06 Sep 2011 01:26:37 GMT

You should check out this thread if you want, I'll PM the email. "CRA's ignoring creditor's request to delete lates?"