This is what they replayed bsck hopefully they send me a deletion letter like everyone else since there reporting inaccurate across all three cras. Praying 🙏
Note that if there are inaccuracies, they aren't required to delete the entire TL, only correct the inaccuracies.
@amckee wrote:Your correct but i seen dozens send the same letter and they delete it since it's paid off and 3 years old i didn't provide them with the inaccuracies i just said it was and that i want them verified
@OmarGB9 wrote:Note that if there are inaccuracies, they aren't required to delete the entire TL, only correct the inaccuracies.
I understand, but just because it worked for others, doesn't guarantee it'll work for you. The fact that it's 3 years old and paid off doesn't mean they're required to delete. I'm just saying to temper your expectations, as well as to inform lurkers/future lurkers of one potential outcome which is obviously not what anyone wants, but is very possible.
@amckee wrote:This is what they replayed bsck hopefully they send me a deletion letter like everyone else since there reporting inaccurate across all three cras. Praying 🙏
First Premier has been known to be pretty good about accepting GW requests, but this what I understand:
GW requests are just that, a favor. Someone (person or company) will unlikely do any favors if you haven't paid them back, lay blame on them, or not take accountability (disputing accurate lates).
A good GW letter is short and to the point, but persuasive, and unique - not a template they have seen hundreds of other times.
It explains what happened (briefly), that you take accountability/apologize, what you have done to correct it (auto pay set up, have a savings with funds to cover bills so you will not miss a payment in the future, paid/settled the CA/CO balance, etc.), and your request (delete TL if CO, or have lates removed if open/closed in otherwise good standing - removing lates on a CO does nothing for your scores, you need the whole TL deleted).
Being honest, straightforward, swallowing a bit of pride, and giving your own story is going to get one further with a GW request. Not all creditors are receptive to them no matter how persuasive, but some can end up helping you out with continued efforts or you are making a GW request with a creditor known to be more likely to accept them. I feel like it is always worth the effort if you have some time before they age off.
I hope this helps someone.
@amckee wrote:Your correct but i seen dozens send the same letter and they delete it since it's paid off and 3 years old i didn't provide them with the inaccuracies i just said it was and that i want them verified
@OmarGB9 wrote:Note that if there are inaccuracies, they aren't required to delete the entire TL, only correct the inaccuracies.
There are a slew of posts from 2009-2015 of successful FP deletions -- all during and post a massive predatory lending lawsuit.
Things have changed since then. You'll notice the number of successful deletions has dwindled to just a small handful and few, if any, were the result of a single dispute, rather a long-term back and forth including several disputes (with legit reporting in accuracies that remained uncorrected throughout the process) via multiple entities.
I hope you're successful but you may want to temper your expectations. Good luck!
@Anonymous wrote:@amckee @OmarGB9 @Anonymous
First Premier has been known to be pretty good about accepting GW requests---
Lol, when? Is accepting GWs a new thing for them (like post-2018)? It could be as I havent dealt with them since then but they state specifically on their blog that they do not entertain goodwills.
http://www.premierperspectives.com/tag/goodwill-letter-requests/
GWs surely did not work at all in my case- I had to fight tooth and nail showing multiple reporting inaccuracies to finally get a deletion of a 5.5 year old paid chargeoff. Took nearly 2 years before I was successful; tho ultimately, I think they just got tired of me-- granted that's just my experience but it holds true for most others I've seen post their experiences.