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Closed Barclay Card with Balance - Debt Paydown Strategy Help

BaileyDog1
New Member

Re: Closed Barclay Card with Balance - Debt Paydown Strategy Help

Wanted to update you guys on how things are going. Refinanced and in the process of building a house now but with no CC debt.

 

TU - 742 | EXP - 744 | EQU - 762 is the latest round of scores.

 

My BOA did an automatic CLI of $4k and and CapitalOne did a $3k CLI, both without asking. Not sure how it will impact my scores but an interesting gesture nonetheless.

 

I used a service called ElliottAdvocacy and emailed 1 round of GW letters to Barclays and CapitalOne with no luck. I will do another round this month and report back. Sounds like I likely just need to pound the pavement and keep at it. Any advice on the interval in which I keep resubmitting? Changes to the letter or do I keep sending the same thing?

 

Thanks everyone for the help! Lifechanging!

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