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GW this....support group!

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SLR72689
Frequent Contributor

Re: GW this....support group!

Bump

Message 341 of 378
blink182
Established Member

Re: GW this....support group!

I had luck with Capitol one on a 30 day Late, but it took an act of God to get it. I wrote 6 letters explaining I was hospitalized and receiving Cancer treatment, and included copies of my lab results showing cancer and a photo I had all stitched up from surgery. I guess someone realized I was being honest about being hospitalized for 3 weeks and with a cancer scare I forgot to make a payment, but paid balance in full upon discharge, and it worked! Hopefully you won't have to have cancer to get a GW, but keep trying because you just might get lucky!
Message 342 of 378
iyoulow
Valued Member

Re: GW this....support group!

Hi all. Is this topic still alive and kicking?

 

If so, what is the best place to get your 3 scores as a monthly subscription?

 

I've just started the GW process but want to keep track of the results.

 

Thanks

Credit Sesame (EX) - 7/2013 - 639, 9/2013 - 658, 10/2013 - 676, current - 670
Credit Karma (TU) - 7/2013 - 580, 8/2013 - 591, 9/2013 - 607, current - 635
USAA Experian Credit Check - 8/2013 - (EX) 609, (EQ) 634, (TU) 601
9/2013 - (EX) 639, (EQ) 649, (TU) 605 - 3/2014 - (EX) 652, (EQ) 641, (TU) 631
Message 343 of 378
iyoulow
Valued Member

Re: GW this....support group!

Never mind the last post. Went with Experian through USAA.

 

I'm brand new to the group and read every post today. Sending 1st GW to Chase on behalf of my wife today to remove one 30 day late on an auto loan.

 

Wish me luck Smiley Happy

Credit Sesame (EX) - 7/2013 - 639, 9/2013 - 658, 10/2013 - 676, current - 670
Credit Karma (TU) - 7/2013 - 580, 8/2013 - 591, 9/2013 - 607, current - 635
USAA Experian Credit Check - 8/2013 - (EX) 609, (EQ) 634, (TU) 601
9/2013 - (EX) 639, (EQ) 649, (TU) 605 - 3/2014 - (EX) 652, (EQ) 641, (TU) 631
Message 344 of 378
burghpa
Regular Contributor

Re: GW this....support group!

Good luck with your Chase GW  letter Smiley Happy

 

Again, 30 day lates will  not be factor after 2 years, the 90+ days lates are the killer, will stay for 7 years. Then again, a Clean Report is always better.

 

2013 Feb EQ: 550 | 2017 Feb EQ: 722

Message 345 of 378
navyox
Regular Contributor

Re: GW this....support group!

Well the results are in from my first batch of GW letters:

 

Cap1/Best Buy - 1x 30 day late removed.

DSNB/Macy's - 1x 30 day late, they told me to pound salt.

Dept. of Veterans Affairs - 2 "accounts" resulting from overpayments on the GI Bill, sent to collections then paid off.   Predictably, they were confused and sent me a letter about disputing an inaccurate reporting.   I'm going to try again with Macy's and go straight to the collections agency regarding the VA stuff.   I didn't pay it at the time because after 50 attempts to call and get the overpayment explained to me, I gave up.   It was stupid, I know.   Eventually i got a collections call and paid in full, on the spot when they explained what the overpayment was for.  

 

I will try again with Macy's, I heard they are tough.



Starting Score: 676 CK 5/13. Current: 717 EX 6/15 -- Last App: 6/2014
Message 346 of 378
Pathos
New Member

Re: GW this....support group!

Hey can I have the contact info for acs, I have 2 60 day late payment I would like to remove. Beyond that I have a loan with chase 4 years old with 4 30days late.is that possible to get removed. Or beyond repair
Message 347 of 378
brianjb
Contributor

Re: GW this....support group!

this is a great group.  My wife and I are on a journey to clean up credit.  My credit is better than hers.  I will definitely be sending GW letters out as well as one asking them remove if we pay in full

 

Our collections are all medical...ugh

 

wish us luck!

AMEX TrueEarnings 10K | AMEX BCE 10K | AMEX Hilton Honors 10K | AMEX Hilton Surpass 2K | Bank of America 1-2-3 2K | Barclay Card 2K | Chase Southwest Premier Visa 6K | Chase Marriott Premier Visa 9K | Discover IT Card 1.5K | Merrick Bank 1.4K | Navy Federal Credit Union Visa 10K | Navy Federal Credit Union navCheck 15K | USAA Rewards 7K |+ tons of store cards (GE furniture, Amazon, Lowes, Home Depot, etc)
Total amount of available credit $100K
Scores (as of December 2013) Equifax 714 | Experian 714 | Transunion 727
Short term goal is score 750+ across the board
Long term goal is to have all scores close to 800 or 800+
Message 348 of 378
jbhems503
New Contributor

Re: GW this....support group!

Can anyone help me out?

 

Have a 30 and 60 day late, one right behind the other from December of 2012 and January of 2013.

I've GW'd them once in November, sent back a letter saying they have to report it correctly, yada yada yada.

I've got another one typed up, just slightly edited from the first one and ready to go. I'm using the address listed on the credit report.

 

But does anyone have a good fax number to the CEO's office? Email, another address? Should I address it to ATTN: EA (Executive Assistant)? Or address it to some other specific department?

 

Thanks for any and all help guys! Also... If someone with more knowledge feels like I should leave it alone, let me know. I've read that 30 day lates normally fall off in 2 years, but how long do 60 day lates? I've read that 90's stay for 7 years? Thanks again guys! (:

myFICO Equifax: --> 645
myFICO Experian: --> 684
MyFICO TransUnion: --> 645
--- Back in the garden until Mid 700's. Next on the list is the CSR. ---
Care Credit - $12.9K (AU). Best Buy - $4K (AU - It reports, that's all that matters! (: ). AMEX Premier Rewards Gold. AMEX Blue Cash Preferred - $2K. Citi COSTCO - 2K. Barclay Rewards - $1.5k. Chase Freedom - $1,000.
Message 349 of 378
abzze
Valued Member

Re: GW this....support group!

Can anyone with cap one successes please PM a contact info?

Thanks to this awesome place I am on the road to rebuild.

Message 350 of 378
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