Hi all,
I just wanted to share my experience on how I got multiple lates removed from my boyfriend's credit report.
He had 4 tradelines from Citibank, and had 30,60,90,120 late (Jan 10-April 10) on all four TLs, which was killing his credit.
We sent out, the mail, GW letter to Citibank in South Dakota. In this GW letter we stressed that the late payments were due to lack of employment out of college and that as soon as there was an income, all TLs were made current. The first response that came back was your typical "we must report accurately".
The second GW got a voicemail from someone in the "executive office administration". That was the key piece of success. Although the rep said he couldn't remove the lates, he could grant retroactive forbearance for the time period of the lates. We asked the rep to send us a letter confirming this, and it arrived a few weeks later.
We didn't see a change to the actual reporting, so more GW letters went out - this time I included a copy of the letter confirming the forbearance.
It took 3 GW's to the SD address, but finally we received a response via mail that those lates should be removed, per the letter granting the forbearance. It was dated 10/25 and said it would take 7 days for the TL to be updated.
As of today, they are off of each and every TL!
The process took from July until November (could have probably happened sooner, but we waited a few months to see if the TL's would update on their own. They did not).
Also in case it makes a difference, in September, the 4 TL's were sold to Sallie Mae, so now these Citibank TL's are showed as current closed.
I hope this helps someone out there get the same results - we couldn't have done it without the help of these forums!!!
Starting Score: April 2011: EQ 606 TU 585 EX FAKO 574
