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MY GW SUCCESS LIST FOR TODAY

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Valued Contributor

Re: MY GW SUCCESS LIST FOR TODAY

No, they won't respond to DVs, in my experience. I think they have for some others, though. Just go online & dispute through the CRAs. I think I wrote "Paid in full, creditor agreed to delete" or something like that for my reason for disputing.
But don't dispute via phone.. you'll have a hard time explaining to a CSR that you want to dispute because you know LVNV won't verify your dispute and you want it to fall off your CR!!!
Message 11 of 17
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Valued Contributor

Re: MY GW SUCCESS LIST FOR TODAY

Did you dispute...right after payment???...or when they updated as PIF???...
Message 12 of 17
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Valued Contributor

Re: MY GW SUCCESS LIST FOR TODAY

Honestly sly, I just don't remember. Wish I did. I *think* I may have only waited a week or two after payment, at least until I got the letter in the mail thanking me for my payment, but I really don't think I waited the whole 30-60 days for the CRAs to update.
Message 13 of 17
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Regular Contributor

Re: MY GW SUCCESS LIST FOR TODAY

Last month I typed out my first GW to the only derog (1 30 day late) on my whole report. Chase was the recipient. With my 1 and only attempt I can say I was successful in having them remove it from my record affecting my scores across the board of
TransUnion 776 to a 795 for an increase of 19 Equifax 775 to a 813 for an increase of 38 Experian 786 to a 800 for an increase of 14
 
there were other things corrected as well like reporting cl for capital on to fix utilization problems so I am not sure if the whole increase if from the gw, just wanted to let everyone know GW'S do work so keep up the writing process. With some luck as I got you will too be graced with your hard work.
 
here is a copy of that said letter:

05/28/2008

Account #: XXXXXXXXXXXX

 Dear Account Specialist,

I have been a customer with Chase since 19XX and during that time. I have enjoyed my experience with your services, greatly. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have one late payment on the above referenced account that dates back to (date occured) . From that time till the close of this account I have been an exceptional customer paying every month on time and never late. When my MBNA account was taken over by Chase I had two chase cards closing this account since the credit limit was lower than my current account of XXXXXXXXXXXXX.

 Because of my exceptional payment history over the years, I would like you to consider removing this negative payment from my credit reports. At the time of the late payment, I was working on setting up the account online in order to pay the account electronically with a direct debit from my bank account. I had spoke to someone at Chase when I had found out what had happened that the Bank Routing # was right but that the account number was missing the last number.  This caused the account to go unpaid and because I was new at paying online. I did not have a checks and balance system in effect to catch the slight mishap. I corrected the problem and the person assisting me had said that since it was my first time ever being late that they would adjust it. I tell you this not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. It was not until recently after pulling my credit reports that I found out, this only blemish in payment history was found. I hope that you are willing to work with me on correcting this on my credit report.

 I am a very pleased customer and hope to continue a long relationship with Chase. With today’s credit industry so competitive, I know how important it is to maintain a good credit report by working with and paying your lenders on a timely manor. Chase has been exceptional in my experience so far, and I highly recommend them to all of my friends and relatives. I hope that you will deeply consider my request and prove once again, why Chase is heads above the rest.  I look forward to your reply. 


Sincerely,

My Name

 

My Name

My Address.

City,State zip

E-MAIL ADDRESS

PHONE #



Message Edited by mrlimo on 06-15-2008 11:27 PM

Message Edited by mrlimo on 06-15-2008 11:30 PM
Message 14 of 17
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Regular Contributor

Re: MY GW SUCCESS LIST FOR TODAY

I got my confirmation in my score and credit report yesterday, today in the mail the explanation came.
Cardmember Service
Post Office Box 15298
Willmington, DE 19850-5298
1-800-436-7939
Visit us online at www.cardmemberservices.com
 
June 13, 2008
 
My Name
My Address
City, State Zip
 
RE:XXXXXXXXXXXXXXX
Doc ID:XXXXXXXXX
 
 Dear Name:
 
Thank You  for your recent inquiry in which you asked us to review the information that currently appears in your credit bureau report. It's important to us that we promptly respond to your concerns.
 
 Since the account noted above is no longer in our system, we have requested that Equifax, Experian (TRW), and Trans Union credit bureaus remove the account information from your credit bureau report. In the interim, you may provide the appropriate party with a copy of this letter as notice of our intent to correct this information.
 
 If you have any questions or we can be of further assistance, please call us at the toll-free number noted above. We're here 24 hours a day for your convenience.
 
 Sincerely,
 
 Dimple Makhija
 Financial Service Advisor
 Consumer Dispute Verifications


Message Edited by mrlimo on 06-17-2008 12:04 AM
Message 15 of 17
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Frequent Contributor

Re: MY GW SUCCESS LIST FOR TODAY

Ivy, you are an inspiration. Go girl! You've done a great job.
Message 16 of 17
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Established Contributor

Re: MY GW SUCCESS LIST FOR TODAY

mrlimo,  Congrats!!!
 
Keeping my fingers crossed with my GW letter to Tidewater.
Message 17 of 17
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