topic Re: GW: what address? in Rebuilding Your Credit

GW: what address?

brother7 — Mon, 23 Mar 2009 23:17:46 GMT

In 7-10 days, I'll have a 0 balance on my only credit card. The card has a 5000 CL. As recently as October, the balance was 4700. I've had this card for 10 years.

When I finally pay it off, I'm going to send a GW letter to get all my lates removed (8 altogether, 1 in the last 2 years, in June, 2008). My question is, where do I send the GW letter?

The 3 obvious choices are:

to the address where I send payments, or
to the return address on my statement, which is a different address, or
to both.

Any advice is appreciated.

Message Edited by brother7 on 03-23-2009 01:17 PM

Re: GW: what address?

Anonymous — Tue, 24 Mar 2009 03:20:51 GMT

Who is your creditor? Goodwill letters are sent to creditors and not the credit bureaus.

Re: GW: what address?

brother7 — Tue, 24 Mar 2009 03:22:52 GMT

@Anonymous wrote:
Who is your creditor? Goodwill letters are sent to creditors and not the credit bureaus.

I'm aware that GW letters are sent to creditors. My creditor is First Hawaiian Bank.

Re: GW: what address?

irishchk23 — Tue, 24 Mar 2009 14:51:55 GMT

It couldn't hurt to send a GW to both. You can also find an address on your credit report which might be different.