I have four charge-offs from 2005:
- Two from Capital One that are paid in full
-One from Verizon Wireless paid in full
-One from Providian / WaMu paid in full
I have sent GW letters to all but no luck. I spoke to a CSR at CapOne's backdoor number and they said they received my letters but NEVER grant GW adjustments. Verizon said the same thing (after speaking to a very nice supervisor). No luck reaching Providian/WaMu by phone.
Can someone make my day and tell me about their goodwill success with Capital One or Verizon or Providian?
I managed to PFD about 10 collection accounts in the last 3 months, sky-rocketing my FICO scores from mid 400s to mid 600s in that amount of time (I do have a 12-month old visa CC with good payment history that helped though). These four charge-offs, albeit 4 years old now, are still bringing down my score 