https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Mortgage-Question/m-p/1758654#M224744 <P>Either or. &nbsp;Send in a GW for the derogatories, maybe they will delete the lates, maybe the whole TL, maybe none of the above. &nbsp;Hopefully they will just remove the lates.</P> Wed, 19 Dec 2012 19:45:20 GMT Shogun 2012-12-19T19:45:20Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Mortgage-Question/m-p/1758480#M224720 Hello<BR />My mortgage is the worst item on my CR. Many 30, 60, and 90's, even the point where foreclosure was started. However, I managed to come out of that and save it. It now reports Pays as Agreed and is current. My question is, how long will it take to impact my scores with it being current? Also, how should I GW? GW where it says Foreclosure Started, GW some of the lates, or GW all of it? Thank You! Wed, 19 Dec 2012 17:54:35 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Mortgage-Question/m-p/1758480#M224720 ktm214 2012-12-19T17:54:35Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Mortgage-Question/m-p/1758654#M224744 <P>Either or. &nbsp;Send in a GW for the derogatories, maybe they will delete the lates, maybe the whole TL, maybe none of the above. &nbsp;Hopefully they will just remove the lates.</P> Wed, 19 Dec 2012 19:45:20 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Mortgage-Question/m-p/1758654#M224744 Shogun 2012-12-19T19:45:20Z