Late June 2019 I wrote WF executive office asking for a GW removal of a three-year-old 30-day late. I didn't hear back, so a month later I wrote again. This morning I got an alert from Wallet Hub that a negative had been removed from my TU report -- this was the only derog remaining on any of my reports. I verified and then checked with CCT for a $1 3-bureau report and saw it had been removed from all three. Oddly, my EX & TU scores showed no change, while EQ was +30 points from last time I checked 3 weeks ago.
But I wanted to share that Mount Wells Fargo, while an extremely difficult climb, can be scaled.
I will not offer specifics from my letter. I will say, "Follow the basics." There are plenty of examples here and elsewhere on the interwebs.
My basics are:
1) be polite -- you're asking a favor;
2) be unique, personable, poignant (if possible -- don't force it) -- it'll be an emotional decision by a stranger to help you;
3) be concise -- edit down to a page, page and a half -- don't bore them to death so they don't care;
4) be compelling -- make an argument that is objectively winnable; for someone to help you it is best if they can objectively justify their decision.
That's it. Good luck.
BTW, I did not use @BrutalBodyShots "Saturation Technique" but I was totally prepared to try that next. I should have tried it first. It is a better strategy. I got lucky.
