topic Re: GW Letter Campaign! Need Feedback in Rebuilding Your Credit

GW Letter Campaign! Need Feedback

DesertLife — Sat, 03 Aug 2013 18:33:43 GMT

Hello,

I'm planning to write GW Letters for one negative account and two paid collections. Any advice, contact information I should use, etc. will be appreciated. Basically the letters say: "I am writing this letter to see if you may be willing to make an adjustment of goodwill to what is reported to the three credit reporting agencies (CRA's)" and then they include details pertinent to my circumstances. Since the negative account I have been approved for a Citi AAdvantage credit card (VISA Sig) product, so I would think that will help in removing the old baddy.

Here's what my current reports show:

EQ: 9 Inquiries; No Collections; 1 Negative Account

TU: 2 Inquiries; 2 Collections; 1 Negative Account

EX: 5 Inquiries; 2 Collections; 1 Negative Account

The companies I'm dealing with:

Citibank (Servicing Gordons Jewelers) - Negative Account

Alliance One (A1) - Both paid collections are with them

The negative account was opened 03/2005 and last payment was 10/2007. It was last reported in 11/2007, so should fall off report 11/2014.

The collections:

1) Placed: 06/2007 Paid: 10/2008 (Shows TU will remove 03/14)

2) Placed: 5/2007 Paid: 03/2008 (Shows TU will remove 12/13)

Thanks for any advice,

DesertLife

Re: GW Letter Campaign! Need Feedback

Shogun — Sun, 04 Aug 2013 00:20:38 GMT

Looks like these are close to being excluded due to the CRTP expiring. Those collections are paid, so no harm there. Looks to me like you're in pretty good shape. Good Luck!

Re: GW Letter Campaign! Need Feedback

DesertLife — Sun, 04 Aug 2013 02:53:50 GMT

Yeah, they're close, but it would be great if they were gone sooner! Here's the contact info I have for these companies. Hoping to get personal contacts, etc. for Citibank to help get through their bureacracy.

Alliance One

6535 Kimball Dr. STE 200

Gig Harbor, WA 98335

(253) 620-2222

CitiBank

PO BOX 6497

SIOUX FALLS, SD 57117

(800) 950-5114