topic Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas? in Rebuilding Your Credit

Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Sun, 06 May 2018 14:12:19 GMT

Good Morning
Three years ago I was fortunate enough to get a Mortgage Loan Modification from Nationstar (now Mr. Cooper). Although I have made every payment on time for 36 months the previous lates are reported as late 120's as 15 separate entries.
I believe this is capping my FICOs around 630-640.

Has anyone here have any luck in GW lettering to them?

Thanks

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Ardecko — Sun, 06 May 2018 15:26:34 GMT

I'm not convinced that the lates are what's capping you or that you are capped at those numbers. I have a healthy string of lates that won't fall off for almost two years and I am over 710 now and expect to gain another 10+ over the next 6 months.

What does the rest of your profile look like?

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Sun, 06 May 2018 18:43:40 GMT

Thank you for replying. My wife and I (as you would expect) have identical credit profiles.
She has the same Mr. Copper lates nothing else and she has capped to 655. No other baddies. CU is 28%.

I have 2 Lexus financials 30 days are with the last 2 years and 9 FedLoan lates 5 years ago.

Hope that helps.

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Ardecko — Tue, 08 May 2018 00:46:53 GMT

Do you have any other open lines of credit, credit cards, loans, mortgages?

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Tue, 08 May 2018 03:05:30 GMT

Yes I have an auto loan with nfcu, personal loan with lendingclub, and about 30 credit cards. All of them have no late payments at all.

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Wed, 09 May 2018 03:01:19 GMT

I had multiple late payments on my Nationstar account and was able to get them removed using the Saturation Technique. If you haven't tried it yet, definitely do so:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/td-p/4727098

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Wed, 09 May 2018 10:56:07 GMT

@BrutalBodyShots
Thanks I'll will try that and update this thread

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Tue, 25 Sep 2018 00:51:21 GMT

I had a mortgage through Nationstar (now Mr.Cooper) that was foreclosed on at the end of 2013. This won’t fall off my report till 2020 and I’m trying to refinance my house. Would a goodwill letter work in getting this off or adjusted to a non negative entry? Has anyone had any success in this? I’m preparing to send out round 1 next week. Just trying to gauge some other successes with my attempt. I’m just trying to refi my house and it’s the only thing holding me back.

Re: Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

Anonymous — Tue, 25 Sep 2018 01:58:46 GMT

@Anonymous wrote:
I had a mortgage through Nationstar (now Mr.Cooper) that was foreclosed on at the end of 2013. This won’t fall off my report till 2020 and I’m trying to refinance my house. Would a goodwill letter work in getting this off or adjusted to a non negative entry? Has anyone had any success in this? I’m preparing to send out round 1 next week. Just trying to gauge some other successes with my attempt. I’m just trying to refi my house and it’s the only thing holding me back.

Not sure if that will work. I had them and didn't like them that much though they are a lot better than FayServicing.