Hi!!! I am new to this site and have found some great information. So much so that I am looking at 7 GW letters that I am about to go mail right now. I decided to join because I have a couple of questions and you all seem to have a handle of this credit game (cuz that's what it is).
1. Recommended Credit Score Watch Services. I wanted to monitor my score and reports to see what affect these letters have on my credit and score. I want to be able to monitor the increase (or decrease) that these letter cause. Any suggestions... I am cheap but i don't mind paying for something if it is worth it.
2. I have 2 accounts (Chase and HBSC/Orchard Bank) CC's. They were charged off and I paid them a couple months ago. So each account has a TL for the actual CC Company and one for the CA. I have been reading and it looks like I have to send GW letters- my questions: do I have to send the GW letters to the CA also?
3. I have another 2 account (Macy's and Shell/Citi). I paid them before I actually came on this site to see your wonderful PFD letters. I sent my own with in hindsight look pretty wack. But basically I sent them with the check stipulating that by cashing the checks, they agree to remove any and all derogatory information from my CR. On the back of my checks I wrote- RESTRICTED ENDORSEMENT. So now I will send the letter along with a copy of my cancelled check to the CRAs. Do you guys think this will work? If not,w hat can I do now, seeing as thought they are paid.
Thanks in advance for all your help!!!