Teh_Rob wrote:
I have 2 credit cards from 2004 that went 30/60/90 late and eventually into collection. I settled both of them about 6 months later for less then the full amount. They show as closed accounts and collection charge offs on my credit report. Ironically, I now have 2 newer credit cards (about 1 year old) with the same 2 credit card companies. This time they are flawless. So does it seem like I might have a good chance sending them a GW letter for the original accounts and hopefully have them stop reporting the lates and collections? Also I have one more question. In my GW letters do I need to give them the account numbers for those original accounts? If so, here would I find them. They don't show on my credit report. Thanks.
Sending a GW won't hurt any. You can find the org. acct numbers on your CR pulled directly from the CRAs. MYFICO and TC seems to mask most of the numbers.
I'm about 0 for 20 on GWs, but have had subtle changes on my CR likely resulting from the GWs. GW acceptance is based on the creditor but it doesn't hurt to try. I would send your GWs every thirty days until they accept.
