Hi Everyone,
I just wanted to thank everyone here for the great advice they list. I have been browsing this forum for about a month and a half now gathering information. I just wanted to say that I have had luck with the GW letters. I have had Lowes/GEMB remove a 30 day late which was late about a year and a half ago. Capital one removed 3 baddies, which included a 2 30 days lates and one 60 day late these lates were about 4 years ago.
I did have a question for your FICO veterans tho. I have also sent a letter for HSBC/Orchard regarding an account that has some lates, also about 4 years ago, and they have yet to respond. Should I send another one? Is there any other letter I can send as a follow up?
Also, I had one company flat out deny to remove the negative information. That company is First Premier. I think I will send them another letter and hope to get a different rep. This was a charge off account, again it was over 4 years ago (had a few probems back in those day ;-). Does anyone think that if I offer to pay the balance remaining (it was settled in 2003) for a deletion letter that they might be pursuaded to delete the bad info?
Thanks everyone!
P.S.
starting out..... score was 580-590 now it is 615-631