The Saturation Technique: Best GW adjustment odds.

[Anonymous]

CaptianJohn,

Very good post above and excellent advice that many will learn from today and in the future.  Nice work.

[Anonymous]

CaptianJohn - Would you mind PM'ing me an example of the short letter you mailed out that had such success?  I have tried both short and long letters, but never had much success.  I am considering sending a new round for a couple baddies based on the advise in this thread.  Its been about a year since I last tried.

Also - if anyone has gotten Portfolio Recovery (PRA) to GW their paid accounts - I'd absolutely LOVE to hear how you did it!!!  I have all but given up on them!

[Anonymous]

Slyvixen508 

YGM

I just want to irradiate, please customize.  My letter worked for my situation.  

Also, One letter is not going to convince anyone to GW a baddie away.

Your letters should be designed to start a dialog that you can control. My letters got me in the door, they got me a response from someone I could talk too.  Once I had their names, then I needed to continue to work with whomever it was.   

For Citi, my first round of fishing (six letters) snagged the names of 4 people.   I sent out round two, (ten letters) six to the original round one, and four to the respondents of round one.  Although my letters were all written with a similar theme, I customized each of the letters whom I had names for.   I checked the people out on LinkedIn, I gather as much as I could about their job title and I customized based on what I thought this person might be like.  

I did the same thing for PSCU, It worked for me.  Saturate and customize. 

[Anonymous]

Again, great ideas above.

I received a second GW approval letter from WF yesterday, about 3 weeks after the initial one.  I have not seen the perfect payment history (as indicated would be the case in the response letters I got) reflected yet across all 3B, but it could take 1-2 months.  It was reassuring, however, to receive a second favorable response from a different person to go along with my first though.

[Fleuriste]

I'm starting round one with WF today.  Wish me luck!

ETA:  I already got an email response from one of the executives, forwarding my email to other executives (one of whom I did not know, the other with an email address I had not successfully guessed yet.

[Anonymous]

Good luck!  I'm confident that if you keep at it you'll achieve a favorable result.  What types of baddies are you looking to get removed?

[Fleuriste]

It is a 30 day mortgage late from Jan 2016 on my husband's vacation property that I am a consigned. Long story short: he pays this from his separate account and his bills are sent to his office. He paid but got a NSF because of a check he was told wouldn't be cashed was. I didn't know about any of this until it hit my credit. But I've been with WF on another property for 19 years and have a spotless payment history on that. I hope it is worth something. We'll see.

[Anonymous]

I'd be probably 80% confident in the removal of that 30 day late.  Your positive long history with WF IMO will be what gets it done for you.

[Fleuriste]

They seem very responsive to my need to refi a jumbo loan that is not currently with them.

[Anonymous]

Sent off my 2nd GW letter today to remove a single 30 day late I have on a 2 year otherwise perfect payment history with a closed/paid off secured credit card with Progressive.

Fingers crossed that this 'saturation' technique will work in my favor!