Long time member, long time lurker, recently I got a 30+ day ding on my credit from Citibank. I was 37 days late paying my Simplicity card. I have no other negatives on my report, started rebuilding 4-5 years ago and now have over 100k+ in credit. My scores were in the low 700s, dropped all the way down to 585-620 from that (1) 30 day late.
Long story short, I remembered about writing a GW letter. I read online and it seemed like a 50/50 success rate. I took a shot in the dark, sent the emails out, got a call within an hour. Spoke to EO and explained my situation, gave a sob story, offered proof etc...she said give me a week while I check some stuff I'll touch back with you next week. Today I got the call that it will be removed from all (3) bureaus !!!! I am beyond estatic and happy of the outcome. I haven't posted on these forums in quite a while but I wanted to share with yall my story in hopes that it can help someone else down the line.
Congratulations!! Very happy for you
Tending my Garden til 6/2020
Congrats I’m happy this worked for you. I tried to goodwill a 30 day late on a finger hut account with no success but I’m glad it’s working for some of us.