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Emailed Kohls CEO with GW letter!

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Senior Contributor

Re: Emailed Kohls CEO with GW letter!

Getting your first derog has the biggest impact on your scores. Subsequent derogs do comparatively small damage, since it’s basically the fact that there IS a derog that kills you.

Conversely, when removing derogs, all removed TLs up to the last one have minor score benefits. When that last one comes off though, that’s when your scores shoot up since now there are no derogs. Keep after that last one with everything you’ve got. When it’s gone you’ll bounce up very nicely.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 11 of 15
Regular Contributor

Re: Emailed Kohls CEO with GW letter!


@ImTheDevil wrote:
Getting your first derog has the biggest impact on your scores. Subsequent derogs do comparatively small damage, since it’s basically the fact that there IS a derog that kills you.

Conversely, when removing derogs, all removed TLs up to the last one have minor score benefits. When that last one comes off though, that’s when your scores shoot up since now there are no derogs. Keep after that last one with everything you’ve got. When it’s gone you’ll bounce up very nicely.

Noted! Plan on asking for early exclusion and I've set the dates in my calendar. I also remember you distinctly saying to not even go there with EQ so I will request it from EX and TU only! 

Starting Score 14/6/19: EX634 EQ683 TU663
Current Score 1/11/19: EX 649 EQ 702 TU 685
Goal Score: 700


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Message 12 of 15
Senior Contributor

Re: Emailed Kohls CEO with GW letter!

Absolutely right. The risk of catastrophe with EQ is not worth the 30 days early that they say they’ll delete it. Just wait the extra month for it to age away on its own.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 13 of 15
Valued Member

Re: Emailed Kohls CEO with GW letter!

So I emailed them last night as soon i got email info from you! Got call today and she said they wont be able to remove my negative account off report ( charge off) but they will remove last 6 late payments and deduct late fees off actual balane and account will report paid in full. I mean i cant fight that at all. Original balance was 580.81now not even 300 bux.
Message 14 of 15
Regular Contributor

Re: Emailed Kohls CEO with GW letter!


@martypav7 wrote:
So I emailed them last night as soon i got email info from you! Got call today and she said they wont be able to remove my negative account off report ( charge off) but they will remove last 6 late payments and deduct late fees off actual balane and account will report paid in full. I mean i cant fight that at all. Original balance was 580.81now not even 300 bux.

Congratulations! Better than nothing and less money out of your pocket! Happy for you fam Smiley Happy

Starting Score 14/6/19: EX634 EQ683 TU663
Current Score 1/11/19: EX 649 EQ 702 TU 685
Goal Score: 700


Take the myFICO Fitness Challenge



Message 15 of 15
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