Mr. Cooper (Formerly Nationstar Mortgage) Goodwill ideas?

[Anonymous]

Good Morning
Three years ago I was fortunate enough to get a Mortgage Loan Modification from Nationstar (now Mr. Cooper). Although I have made every payment on time for 36 months the previous lates are reported as late 120's as 15 separate entries.
I believe this is capping my FICOs around 630-640.

Has anyone here have any luck in GW lettering to them?

Thanks

[Ardecko]

I'm not convinced that the lates are what's capping you or that you are capped at those numbers. I have a healthy string of lates that won't fall off for almost two years and I am over 710 now and expect to gain another 10+ over the next 6 months.

What does the rest of your profile look like?

[Anonymous]

Thank you for replying. My wife and I (as you would expect) have identical credit profiles.
She has the same Mr. Copper lates nothing else and she has capped to 655. No other baddies. CU is 28%.

I have 2 Lexus financials 30 days are with the last 2 years and 9 FedLoan lates 5 years ago.

Hope that helps.

[Ardecko]

Do you have any other open lines of credit, credit cards, loans, mortgages?

[Anonymous]

Yes I have an auto loan with nfcu, personal loan with lendingclub, and about 30 credit cards. All of them have no late payments at all.

[Anonymous]

I had multiple late payments on my Nationstar account and was able to get them removed using the Saturation Technique.  If you haven't tried it yet, definitely do so:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-o...

[Anonymous]

@BrutalBodyShots
Thanks I'll will try that and update this thread

[Anonymous]

I had a mortgage through Nationstar (now Mr.Cooper) that was foreclosed on at the end of 2013. This won’t fall off my report till 2020 and I’m trying to refinance my house. Would a goodwill letter work in getting this off or adjusted to a non negative entry? Has anyone had any success in this? I’m preparing to send out round 1 next week. Just trying to gauge some other successes with my attempt. I’m just trying to refi my house and it’s the only thing holding me back.

[Anonymous]

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@Anonymous wrote:
I had a mortgage through Nationstar (now Mr.Cooper) that was foreclosed on at the end of 2013. This won’t fall off my report till 2020 and I’m trying to refinance my house. Would a goodwill letter work in getting this off or adjusted to a non negative entry? Has anyone had any success in this? I’m preparing to send out round 1 next week. Just trying to gauge some other successes with my attempt. I’m just trying to refi my house and it’s the only thing holding me back.

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Not sure if that will work. I had them and didn't like them that much though they are a lot better than FayServicing.