Good Will and Dispute Letters

[mnmlsky]

Apologies if this has been covered many times, but I can't seem to find any useful info. 

I am about 5 years after Ch.7. Excellent credit history now and doing all the right things, but stuck in the high 600s. Just can't seem to cross over the 700 threshold.

I remember reading that I should contact each creditor directly and ask for an early removal (GW, Dispute, etc).  

My question is where do I get the address (physical or email) for each of these creditors? I remember a million years ago I sent direct disputes, but I don't recall where I got all the info. I am assuming there is a specific department that handles these for each org. 

Thank you in advance!

[BrutalBodyShots]

You can get contact info from your credit report, your monthly statements, or just a simple Google search.

Goodwill letters are used to ask forgiveness of late payments that are accurately reported.

Disputes are used for inaccurately reported information. If you have legit late payments on your reports, disputing them is not the right approach. I strongly recommend GST (Goodwill Saturation Technique).

[mnmlsky]

I meant good will. It's not errors. Just asking them to remove the items earlier than my Ch7 expiration date. 

[FireMedic1]

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