I am finally having some luck with PFD and GW letters!
I looked at TrueCredit today, and one of my collection accounts for an old electric bill I paid late after moving to another state has been deleted because of a GW letter I sent LAST WEEK! Caused my score to increase by 2-5 pts. Not a big gain, but every bit counts!
I am expecting one more derog. tradeline from HFC to disappear soon from the report as soon as TU processes the OC's request (based on a GW letter) - EX and EQ deleted the baddie last week, so hopefully it will happen soon!
Thanks for all the support, gang! I know I can be a bitter pill sometimes, but there are moments I think it's a wonder that credit probs. don't account for more suicides or violent crimes in this country.