I have written several GW letters and have heard back from two companies. Sallie Mae agreed to change status from "Bankruptcy" to "Paid as Agreed".(Especially nice of them ocnsidering I have never filed for bankruptcy, but I digress!) Another was from Discover indicating their records don't show my account so they will delete the account fromt eh CRAs. Others I haven't heard from include Sears and GMAC. Question: Do the creditors have a time limit on responses to the letters? I ahve the letters indicating they will GW, but they aren't showing on my CRs yet.
Also, a local credit union shows a lot of delinquencies from many years ago, but are inconsistent on the reporting dates and they aren't reporting the same on all 3 CRAs. Should I write a letter asking minimally for correction and about the possibility of GW, or jsut ask outright for GW? Think my odds would be any better if I went directly to the branch office?