FICO staying about the same

[Jnbmom]

Well it seems I am stuck in this score range, happy of course but think I am going to be here awhile. Utilization around 4% so even if it goes down to 2% won't see a change. I was unsuccessful with GW for mortgage lates tried several times but no go , so I guess time is all I can do and garden of course.

I am happy though to reach beyond 700 and plan to stay there.

[Anonymous]

It sounds like your only area of opportunity here while gardening is to remove those lates.  Is your mortgage your only account with lates?  From my experience, mortgage lates are the easiest to get removed, assuming the mortgage is still open and your payment history since the lates (and prior) is/was perfect.  When you say you've tried several times, how many are we talking here?  It has taken me 100-200 letters to a couple of creditors to get a GW adjustment.  That sounds like a lot, but when you use the GW Saturation Technique, it really isn't much work. 

I'm not sure if you've read that thread yet, but if not I highly suggest it.  I'm pretty confident that if you go this route you'll be able to achieve a favorable result with a GW adjustment to your mortgage lates:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-o...

[Jnbmom]

Yes I have read about that. Yes only lates are on our current mortgage. I will continue to garden of course and then keep hitting them with GW's as I know that has to be the only thing keeping me/us in that score range.

I appreciate your advice I will do my best to keep at it.

[Anonymous]

If that's your only dirty account, getting it clean would mean a 75 point score increase or so.  Just like that, you'd be at 800.  That should be solid motivation for you to continue hammering off those GW letters

[Jnbmom]

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@Anonymous wrote:

If that's your only dirty account, getting it clean would mean a 75 point score increase or so.  Just like that, you'd be at 800.  That should be solid motivation for you to continue hammering off those GW letters

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Yes I believe you are correct there. Is there a GW letter that you could suggest for mortgage lates? I have sent some general GW requests, thought maybe you had a better GW letter example?

Thanks