BEST APPROACH

[focused1914]

I'm currently dealing with GEMB....   I have a 30, 60, 90 day late on my CR's.      I'm still making payments to them each month....l havent been late in over a year.   What is the best approach to maybe getting them to remove those 3-4 times I have been late?     Any advice is greatly appreciated.    Thx

[Anonymous]

I'd write a GW letter once you've pif.

[focused1914]

Thx for the tip...... you think they will only delete items after it  is paid in full???

[clemente21]

Is this account a charge-off or do you still have a open line of credit with GEMB?

[Anonymous]

---

@focused1914 wrote:

Thx for the tip...... you think they will only delete items after it  is paid in full???

---

I'm sure people have gotten lates removed before actually pif, but if you're not planning on apping for anything (CC, car loan, home loan, etc) anytime soon why not just wait until you pif to try and get the lates removed?

[focused1914]

Its not a charge off...   Im still making payment each month.  

[focused1914]

my goal is to raise my scores.... I want to refinance my mortage soon..  (maybe by april 2012)

[Anonymous]

I just had success with a GW letter for 1 30 & 60 day later with  an open account with HSBC.  Taking the GW approach certainly won't hurt you any.

[focused1914]

was your account still open???     I will give it a try..

[Anonymous]

You should check out this thread if you want, I'll PM the email.    "CRA's ignoring creditor's request to delete lates?"