A long road ahead, starting today.

[Anonymous]

Thank you, Mocha!  And you bet, check your mail. 

[SunnyDaze77]

• New Millennium Bank CC: closed by grantor, set to fall off in 2012.  Four 30s, two 60s and one 90 past due.  Course of action: GW ASAP.  Success!  Entire account deleted. 
  

Chase/WaMu CC: settled through CA in December before I knew of PFD.  Three 30s,three 60s, two 90s, four 120s, six KDs and zero balance reporting with OC.  Course of action: See Home Depot.  MAJOR SUCCESS! Entire account removed through GW.

_________________________________________________________________________________________________

Wow Cakegirl!  You've been busy.  Congrats on all the hard work!  I was wondering if you could send me a copy of your GW Letter to the above companies-if it's not too much to ask.  There's a couple of accts that I have that many lates as well and need all the help that I can get. 

Thanks and GL!

[Anonymous]

Thanks, Sunny!  I've just simply used the GW letters from this site. 

Here's a link to the letter: http://ficoforums.myfico.com/t5/General-Credit-Topics/GW-Example-Letters/m-p/4521

And here's a link to the ins and outs of good will: http://ficoforums.myfico.com/t5/General-Credit-Topics/Goodwill-Primer/m-p/9424

My appraoch has been to ask for a complete deltion of the TL because these bad accounts are VERY bad and are not adding anything good to my AAoA.  Also, I try to gather a ton of addresses for each baddie.  Good luck to you!!!!!!

[jada0607]

Hey CK,

I tried clicking on the links in your last post and it's not coming up. Is that link from this site?

[Anonymous]

Edited to fix links!