PFD/GW Accepted!!!

[Anonymous]

I sent a GW letter to the CEO of the OC asking for the baddie to be removed if I paid. He fwd my info to his account mgr yesterday. She called me today, was very nice and agreed to remove. I paid and she is sending the request to the CA to return the account back to them which will remove it from the bureaus. She also said she will send a letter to me requesting the removal for my records. In addition to that she discounted the debt by 25% and is still considering it paid in full and will be removed from my credit.

I am elated! That was the last of the derog debt I owe, plus it was the most recent (9 months old). With the exception of my car, I am 100% debt free! I am praying for a nice score increase once it's removed.

My scores now are 584, 594, and 617. Maybe this will push all scores well into the 600s

[rckstrscott]

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@Anonymous wrote:
I sent a GW letter to the CEO of the OC asking for the baddie to be removed if I paid. He fwd my info to his account mgr yesterday. She called me today, was very nice and agreed to remove. I paid and she is sending the request to the CA to return the account back to them which will remove it from the bureaus. She also said she will send a letter to me requesting the removal for my records. In addition to that she discounted the debt by 25% and is still considering it paid in full and will be removed from my credit.

I am elated! That was the last of the derog debt I owe, plus it was the most recent (9 months old). With the exception of my car, I am 100% debt free! I am praying for a nice score increase once it's removed.

My scores now are 584, 594, and 617. Maybe this will push all scores well into the 600s

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It will rise for sure.

Do you have any active revolving accounts?

[Anonymous]

Yes, I have two new and a 2 year old account that I am AU on (hubby's acct) All of which have perfect payment history on. Util cpuld be lower, but is under 30%

[westo12]

Who was the OC and CA?

[ceejx]

congrats! glad to see it was accepted, I will definitely be using your letter to send to two that I want to try to get lates removed on

for other people viewing this thread, the GW letter is in the first post of this thread: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-sent-my-first-GW-email-to-CEO/td-p/14729...

[Anonymous]

Thanks! The CA was Paragon Revenue Group. This is a medical collection, so the OC was a hospital.

[drkaje]

Sweet!!

I think the Nancy Wilson music I posted about gave you good vibes!!

[Anonymous]

Got the PFD letters along with reciepts just now! Woohoo!!