topic Re: GW/Deletion letters in Rebuilding Your Credit

GW/Deletion letters

CrimsonMoon93 — Sun, 04 Apr 2021 21:04:19 GMT

Hello everyone, thank you for reading and helping. Hope I'm asking the right questions.

I have a few cards on my accounts that I would like to get a GW/or complete deletion of account. Should I ask for a GW for the lates reported on the accounts or should I ask if theyll delete the account entirely? For Chase/NCI, it never reported as collections on my reports, just charge off. If I did a GW/deletion, do I contact Chase or NCI?

TD/Target: 6 lates, 2 charge off months reported, paid for less than full in 2018.

Synch/Walmart: 4 30 day lates, 1 60 day lates, and 1 Negative month. This was paid in 2018, unsure if it was paid in full or settled.

Chase/Nationwide Credit: I did a settlement paid through Nationwide Credit in December.

SYNCH/JCP: 2 30 day lates, 1 60 day late, paid in full. They closed it in 2017.

Re: GW/Deletion letters

OmarGB9 — Sun, 04 Apr 2021 21:26:47 GMT

If the TL was charged off, then you ask for the entire thing to be deleted. If the TL was NOT charged off, and only has isolated lates, then you ask for removal of those individual lates.

Re: GW/Deletion letters

CrimsonMoon93 — Sun, 04 Apr 2021 21:33:12 GMT

@OmarGB9 Thank you! I knew i could count on your response haha. Now when it is with one company, say I have 3 cards with Synchrony Bank. Do I include all cards I had in one email or send seperate emails for each account?

Re: GW/Deletion letters

OmarGB9 — Sun, 04 Apr 2021 21:38:47 GMT

@CrimsonMoon93 wrote:
@OmarGB9 Thank you! I knew i could count on your response haha. Now when it is with one company, say I have 3 cards with Synchrony Bank. Do I include all cards I had in one email or send seperate emails for each account?

No problem, always happy to help.

As to your question, separate them. If you lump them all together, one or 2 (or even all 3) of them may be overlooked in your request. Better to let each letter focus on only one account, and don't mention the other accounts in your letter.

As for Chase/NCI, contact Chase.

Re: GW/Deletion letters

CrimsonMoon93 — Sun, 04 Apr 2021 22:08:04 GMT

@OmarGB9 we really need an updated thread for GW etc. The thread stickied is from 2007! A lot has changed in the way people write and send these letters as well has who are the creditors. JCP wasn't Synchrony in 2007 for example. I also see the examples stickied which seem out of date as well.

Also, what if i Don't know my account numbers for these cards?

When it comes to getting the accounts deleted, is it considered and early exemption? There doesn't seem to be as much info in the threads for deletion of accounts unless its also considered goodwill. As you said, the ones that were settled I should try and get deleted. How do I go about doing that?

Re: GW/Deletion letters

OmarGB9 — Mon, 05 Apr 2021 02:20:48 GMT

@CrimsonMoon93 wrote:
@OmarGB9 we really need an updated thread for GW etc. The thread stickied is from 2007! A lot has changed in the way people write and send these letters as well has who are the creditors. JCP wasn't Synchrony in 2007 for example. I also see the examples stickied which seem out of date as well.

Also, what if i Don't know my account numbers for these cards?

When it comes to getting the accounts deleted, is it considered and early exemption? There doesn't seem to be as much info in the threads for deletion of accounts unless its also considered goodwill. As you said, the ones that were settled I should try and get deleted. How do I go about doing that?

Well I don't have the power to sticky/de-sticky things or edit other people's posts like the mods do, but I'd be happy to pass along your feedback. Likewise, you can also reach out and let them know your thoughts.

Mmm well that's a tough one. I would say call and ask, but since they're closed/charged off, I don't think that'd be a good idea... Perhaps see if you can still login to their online portal and pull up old statements?

So early exclusion is something you ask the bureaus, not the creditor directly. EX is 1 month earlier than the "on record until" date, EQ is 1 month earlier than the "Date of First Deliquency" + 7 years, and TU is 6 months earlier than the fall off date (I forget the terminology they use). GW is sent directly to the creditors asking them to kindly delete late payments/an entire TL (far more rare) well before its natural exclusion date.

Re: GW/Deletion letters

CrimsonMoon93 — Mon, 05 Apr 2021 20:46:42 GMT

@OmarGB9 I would not be able to log into any of the portals. It seems the only option would be to call and ask for the account numbers, but is it a good idea to do that for charge offs?. JCPenney was not charged off, just late and closed. Walmart might have been settled, but I forget. Chase was obvioulsy settled with NCI, so would it be a good idea to contact them for the account number?

Re: GW/Deletion letters

OmarGB9 — Mon, 05 Apr 2021 20:48:06 GMT

@CrimsonMoon93 wrote:
@OmarGB9 I would not be able to log into any of the portals. It seems the only option would be to call and ask for the account numbers, but is it a good idea to do that for charge offs?. JCPenney was not charged off, just late and closed. Walmart might have been settled, but I forget. Chase was obvioulsy settled with NCI, so would it be a good idea to contact them for the account number?

You got me there. In my case all my COs were either deleted once they sold the debt to a CA, or they retained ownership, but I luckily had old letters/statements I could reference for the account numbers.

Re: GW/Deletion letters

CrimsonMoon93 — Sat, 11 Dec 2021 18:28:15 GMT

Bumping this again:

TD/Target: 6 lates, 2 charge off months reported, paid for less than full in 2018. I now have a new target card. Should I try and get this one fully deleted or just try and get the lates removed?

Synch/Walmart Card 1: Open for 9 months and walmart randomly closed it. No lates. Should I try and get it deleted?

Synch/Walmart Card 2: 4 30 day lates, 1 60 day lates, and 1 Negative month. This was paid in 2018 and closed. Legally paid in full for less than the full balance. Possible to get the lates deleted? Who to contact? Would it be possible or make sense to get the entire thing deleted?

Chase/Nationwide Credit: I did a settlement paid through Nationwide Credit in December. Legally paid in full for less than the full balance. Do I want to contact Chase to see if they'll delete the account? Who do I contact? Last updated 12/2020.

SYNCH/JCP: 2 30 day lates, 1 60 day late, paid in full. They closed it in 2017. Possible to get the lates deleted? It wouldn't make sense to try and get the account deleted correct?

Capital 1: Reporting 2108. Has been reporting as charge off since at least 1/2020. As stated in another thread, This account was paid through Midland Credit as a settlement in October. They took $500 off the total amount and I ended up paying like 1500.

Verizon: Was in collections for 3/2020. One of those things I didn't know until it went into collections. Paid immediately. Thoughts on getting this deleted? Who should I contact