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9 point increase on TU

Established Member

9 point increase on TU

Just wanted to post an update for anyone who might find this info useful.


I just received a 9 point increase on TU, so now I'm at 660!!Smiley Happy I sent out another batch of GW letters about a week ago and the following have been confirmed as removed.


*Removed 1 late from Dillards credit card (very old from 2006)

*Removed 1 late from Toyota (30 days - 2008)

*Removed 1 late from The Limited (30 days - 2011.


Reasons why I'm excited: This is the first time I've received so much success from one round of GW letters. I was successful on 3 out of 4 letters.

Capital one wouldn't remove my only late payment from 2003. Now that I think about it, isn't that past the date of reporting limitations anyway?


I had success with Toyota on a paid loan. I had 2 late payments from 2008 and they removed 1 of those late payments.


So, those 3 removals got me a 9 point bump. My utilization is high, so I will start focusing on that now.


-Good Luck to everyone.


Starting Score: EQ 619 TU 651
Current Score: EQ 681 to 700! TU 704 to 758!!
Goal Score: 720

Take the FICO Fitness Challenge

Message 1 of 7
Moderator Emeritus

Re: 9 point increase on TU

Congrats!!!   And yes that late from 2003 is way past the CRTP.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 7
Frequent Contributor

Re: 9 point increase on TU

Nice! I just sent out my very first GW letters yesterday, one to chase for a 30/60 day late payments from 2006, acct was settled in full. And the other is for a $70 medical collection I paid in August. Hopefully it does some good! I know it can't do any bad Smiley Happy

Message 3 of 7
Established Contributor

Re: 9 point increase on TU


Message 4 of 7
Established Member

Re: 9 point increase on TU



You said Toyota removed 1 of 2.  Out of curiosity, which did they remove, the oldest or the newest? 


Obviously it would best if they removed the newest! Let us know!

06/2016 FICO TU 770; EQ ?; EXP 767
Message 5 of 7
Established Contributor

Re: 9 point increase on TU

Congrats Smiley Happy

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 6 of 7
Frequent Contributor

Re: 9 point increase on TU

Great Job....It is always a joy to read about GW success

Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 7 of 7