• RELEVANCY SCORE 5.90

    DB:5.90:Gw Letter To Chase And Unifund 7p





    Guys,

    So, I had sent the GW Letter to Chase (OC) and Unifund(CA) as i paid off the debt. Chase declined and Unifund never responded? Any suggestions....Any contacts that i could use (high ups) to directly approach these places...Thanks. any help greatly appreciated.

    DB:5.90:Gw Letter To Chase And Unifund 7p


    GW's are like target practice.

    If you don't hit the target. Try again.

    So, send a polite GW request every 4 to 8 weeks and hopefully you will hit the target eventually. There are many reported cases of this being successful and that after numerous attempts and months and months, that a GW was suddenly successful, even though it was the same request each time.

    You can also try to look up high level execs at the OC or CA and send a GW email plea. This has been reported to have had some success as well.

    Good luck!





    Credit Scoring 101 - Tuscani * Guide to Common AbbreviationsFrequently Requested Threads * FICO High Achievers * FICO Score Estimator
    09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)05/18/2005 TU: 563, EQ: 580, EX: 549

  • RELEVANCY SCORE 3.46

    DB:3.46:Anyone Have An Email Address For Chase Execs For Gw Letter? sp





    Does anyone have an email address for any Chase execs that I could copy a GW letter to.

    DB:3.46:Anyone Have An Email Address For Chase Execs For Gw Letter? sp


    Does anyone have an email address for any Chase execs that I could copy a GW letter to.

  • RELEVANCY SCORE 3.43

    DB:3.43:Chase Gw Contact? 39



    Hi everyone! I have a Chase defaulted acct. that went to collections which was eventually settled. I am trying to GW Chase and was wondering the best way to tackle this? I sent a GW letter to Chase via snail mail but was wondering if anyone had any email addresses or additional backdoor contacts that worked? Thanks love you!




    Starting Score April 2013: 556Current Score March 2014: 682Goal Score Soon (-: 700Take the myFICO Fitness Challenge

    DB:3.43:Chase Gw Contact? 39


    I had one late on an old TL that was closed. But still had a different TL open with chase.

    So I sent them a message through the secure message center in my account.

    They agreed to remove the late info from CRs

  • RELEVANCY SCORE 3.38

    DB:3.38:Chase Mastercard Help j1


    I sent Chase Mastercard a GW asking them to remove some lates from 2006 and they rejected me, saying they had enclosed the corresponding statements as proof of why my GW was rejected. Well, the statements they sent me ARE ALL FROM 2007!!!!!!!!!!!!!!!!!!! They are so stupid! I mean, did they even read my letter????? How amazingly frustrating that these imbeciles are ruining my chances at imrpoving my FICO score. Besides, I wasn't even late, these are errors. Should I dispute online? Or write another letter CM RRR???



    01/05/08 EQ 598 TU 612 Experian 59901/25/08 EQ 605 TU 620 Experian 59908/04/08 EQ 658 TU??? Experian 635

    DB:3.38:Chase Mastercard Help j1

    Also see if Chase will change your due date to be a few days latter then you know the DMP will pay them. My DMP program only processed payments on tuesday so sometimes there wasy a 7 day delay in them sending the money out between the time I paid them and they made the payment.Good luck and I hope that the resolve the issue for you soon.



    11/28/2014 FICO: EQ: 796 EX:788 TU:803

  • RELEVANCY SCORE 3.26

    DB:3.26:Luck With Case Gw? x9



    Can someone send me the best address (email or otherwise) to start using for a GW letter? I have 1 60Day late in 2011 that I need removed from my credit history on a Chase Best Buy account.

    Many Thanks...

    DB:3.26:Luck With Case Gw? x9


    there is a sticky at the top of this section that is commonly referred threads




    MyFico Equifax - 691MyFico Experian - 692Barclay Transunion - 682 (Last Updated 03/21/14)Citi Diamond Preferred - $2,300 / Citi Platinum Select AAdvantage - $5,600 / Barclay - $4,600 / GE Care Credit - $1,000Current Utilization - 52% / AAoA - 6yrs

  • RELEVANCY SCORE 3.25

    DB:3.25:Gw Letters x3



    Has anyone had any success with GW letters and or GW emails to the following creditors:

    Capital One

    Chase Auto Finance

    HSBC

    GE Care Credit

    Cavalry Portfolio

    Kay Jewelers

    If so, can someone please provide me with contact info, address, phone number, email etc as well a sample letters used for the above creditors? Also what is the best way to go about it, phone, email or letter or all 3?? By the way, all the above creditors have been paid and I have a zero balance, if that helps.

    ANY help would be appreciated, Thank you!!!

    DB:3.25:Gw Letters x3


    Has anyone had any success with GW letters and or GW emails to the following creditors:

    Capital One

    Chase Auto Finance

    HSBC

    GE Care Credit

    Cavalry Portfolio

    Kay Jewelers

    If so, can someone please provide me with contact info, address, phone number, email etc as well a sample letters used for the above creditors? Also what is the best way to go about it, phone, email or letter or all 3?? By the way, all the above creditors have been paid and I have a zero balance, if that helps.

    ANY help would be appreciated, Thank you!!!

  • RELEVANCY SCORE 3.25

    DB:3.25:Need Help With Response From Chase Gw fd



    HI,

    I sent a GW to executive office of Chase credit cards and was denied deletion of a charged-off credit card. I also sent a letter via USPS to Chase in Wilmingtion, DE and their response was that of a validation letter and that the information on my account was being reported accurately.

    I clearly asked for my credit reports to be revised in the beginning paragraph. In the final paragraph I again asked for a revison of the trade lines from Chase and then mentioned a goodwill adjustment.

    How could they mistake my request as a request for validation or request for accurate reporting? Do you think it is because I ask for Chase to "revise" the trade line and "goodwill adjustment" instead of explicity asking for a deletion or removal of the trade line?

    Thanks!

    DB:3.25:Need Help With Response From Chase Gw fd

    I've seen other posts where folks on this forum have had success emailing the CEO or other executives. You should search for those and PM the posters for the contact info.



    Staring Score:EQ 649 TU 647 EX 644Current Score: EQ 786 TU 699 EX 746Goal Score: 800Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000

  • RELEVANCY SCORE 3.22

    DB:3.22:How Long For A Gw Response From Wells Fargo? jc



    Hi, I have a car loan from Wells Fargo Dealer Services with about 10 or so 30 day lates. I submitted a GW letter two weeks ago and have yet to hear anything at all. Does anyone know how long it typically takes?




    Starting Score: 600-6/13Current Score: 660-EQ-7/4 TU: 656(WM) 670EQ PlusGoal Score: 700Take the myFICO Fitness ChallengeGoal Cards: AMEX PRG, AMEX Everyday, Discover IT, Chase Freedom, Amazon Rewards VISA, Best Buy CC. Chase Sapphire PreferredĀ® Card

    DB:3.22:How Long For A Gw Response From Wells Fargo? jc

    MissMoni223 wrote:
    I sent a GW letter via email on yesterday to their Mortgage CEO and received a phone call 2 hours later.I was told that they will review it andwill let me know NLT the 23rd of this month.Maybe you should google the CEO of the Auto Loan Department and send an email for a faster response.

    Hm...I'll consider that. I'll probably do that monday.




    Starting Score: 600-6/13Current Score: 660-EQ-7/4 TU: 656(WM) 670EQ PlusGoal Score: 700Take the myFICO Fitness ChallengeGoal Cards: AMEX PRG, AMEX Everyday, Discover IT, Chase Freedom, Amazon Rewards VISA, Best Buy CC. Chase Sapphire PreferredĀ® Card

  • RELEVANCY SCORE 3.16

    DB:3.16:Dealing With Unifund cd



    I have heard some horrendous things about Unifund. I sent a DV letter and they merely sent back 2 statements with no charges except for late fees. I have about a year and a half until the SOL expires so I was wondering if I should just try to sit it out or go ahead and aim for a PFD.

    Im concerned that if I go for the pfd and they are adamant about settling for something that is too high, they would jump right into sue mode. They have only owned the debt for barely ayear and have allready added 500 in interest.

    Anyone with previous experience in dealing with these creeps?

    DB:3.16:Dealing With Unifund cd

    I'm dealing with Unifund too. I sent a DV and got a letter back from them showing a copy of an old bank statement for a Chase Credit Card I stopped paying. They're charging me a lot of interest too. I'm also within my SOL and I'm thinking of PFD but not sure if they actually have properly validated the debt.

  • RELEVANCY SCORE 3.14

    DB:3.14:Chase Gw Success!!! f9



    I submitted an email in regards to two different Chase Accounts yesterday afternoon. Within an hour of sending the email I got a call from the Executive Office. They have agreed to delete the late payments and the charge off from all 3 credit bureaus. (The negative data was from 2008) They are sending me a confirmation letter in the mail.

    DB:3.14:Chase Gw Success!!! f9


    Nice work!!!

    Question: Did they delete the whole account or just the late payments off the existing account? Could you message me the address you used? Thanks and congratulations!

  • RELEVANCY SCORE 3.14

    DB:3.14:Gw Letters Not Working xj



    Hi Guys:

    As some of you may remember, I have a 30 day late from Apr 2009 with Household bank. This is my only blemish. It has now aged approximately 14 months. I have mailed GW letter after GW letter to them and nothing. I'm in the process of cleaning up my balances because I want to app for Chase soon. Here are my questions:

    1) Do I continue to send GW letters?

    2) How long before this 30 date has no more significance?

    3) If my reports are in order, will Chase still decline due to one 30 day late over 1 year ago?

    Thanks,

    UM




    Equifax Fico 785 as of 01/18/2012

    DB:3.14:Gw Letters Not Working xj

    I have a question where you actually 30 days past due. if not you and every like you the opportunity to bring attention to long standing abusive banking policy of erroneous late payment reporting.It is Scandalizes make a person only only a a few days late to 30 days behind, this want to do Dispute you only need a copy of you statement showing the due date and proof when you brought it current. contact your congressman and explain even if your day late, if the creditor decides to report to the credit bureaus you'll appear 30 past due I don't believe Universal Default was evil in it self was broken the reality is creditors should no noting of your indiscretions with a another credit until 30 days past



    People say "Only apply for credit you NEED"I say "apply for credit you have PRATICAL use of"I don't have AMEX card because I don't want a card that suffers from PMS

  • RELEVANCY SCORE 3.14

    DB:3.14:Chase Information Needed Please! mx



    Im looking for the Chase information from anyone who has sent them a GW letter. I need to try this, I want to buy a home and need help with my scores.

    DB:3.14:Chase Information Needed Please! mx


    Im looking for the Chase information from anyone who has sent them a GW letter. I need to try this, I want to buy a home and need help with my scores.

  • RELEVANCY SCORE 3.13

    DB:3.13:Chase Email Or Address pj



    Would anyone be able to PM me the address or an email address for Chase? I am trying to send a GW letter and it came back as wrong address.

    Thanks!!

    DB:3.13:Chase Email Or Address pj

    Latta wrote:
    Would anyone be able to PM me the address or an email address for Chase? I am trying to send a GW letter and it came back as wrong address.

    Thanks!!

    http://quotes.wsj.com/JPM/company-people




    EX Fico 08 BC 04/15: 790 (0); EX Fico 04 V2 06/14: 775EQ Beacon 5.0 12/14 757TU Fico 8 04/15: 757 (0)

  • RELEVANCY SCORE 3.12

    DB:3.12:Gw A Debt-Managed Cc kj


    I currently have Chase and Capital One being paid via Lighthouse Credit. I haven't missed a payment with either of them since the summer of 04, where I was 120 days late on two payments (when I was tricked by another debt settlement firm), my question is -- will they respond to a GW letter considering I'm on a debt management program with them? or is that just wishful thinking?

    DB:3.12:Gw A Debt-Managed Cc kj

    I don't think the DMP has much to do with them rejecting the GW request.Capone is pretty stingy on GW.Always worth a shot-

  • RELEVANCY SCORE 3.11

    DB:3.11:Gw Letter Help... Please? pp



    Hello,

    After doing some research on the subject, I have decided to give GW letters a shot. However, the account that I had at one point with both Walmart and Chase were closed and I no longer have the information that might be necessary to include in the letter. Is anyone able to tell me if I need to include the credit card number in the letter? Any help would be appreciated. Thank you in advance.

    DB:3.11:Gw Letter Help... Please? pp

    youngandnaive wrote:
    Hello,

    After doing some research on the subject, I have decided to give GW letters a shot. However, the account that I had at one point with both Walmart and Chase were closed and I no longer have the information that might be necessary to include in the letter. Is anyone able to tell me if I need to include the credit card number in the letter? Any help would be appreciated. Thank you in advance.

    If the account is closed, I personally see no harm in adding the account number.

    -scott




    Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor SystemsOther Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander ReposessionPositive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX

  • RELEVANCY SCORE 3.11

    DB:3.11:Chase sm


    I see that Chase has a new CEO does anyone have a GW sample letter and contact information for her? I have 1 late charge in three years that I would like to try and have removed

    DB:3.11:Chase sm

    Thank you so much for the info

  • RELEVANCY SCORE 3.08

    DB:3.08:Is One Gw Letter Ok For 2 Accounts 9c



    Hi,

    I have a Chase auto loan with multiple 30 day lates that is paid off and closed, and also a Chase credit card account that was charged off and settled with a CA. I am planning to send GW letters to ask for removal of the late payments from the auto loan, and the charge off on the credit card account.

    - Should I send one GW letter for both accounts, or two letters (one for each account)?

    - Should I send these letters to the address listed below (which I've seen posted on this forum), or to the mailing addresses for each credit department, or to the addresses listed for each account on my credit report?

    CHASE BANK USA, NA

    800 Brooksedge Blvd

    Columbus, OH-43081

    Thank you

    DB:3.08:Is One Gw Letter Ok For 2 Accounts 9c


    Those are both good reasons. Thanks Random.

  • RELEVANCY SCORE 3.06

    DB:3.06:Chase Gw Response. Huh? What? xd


    i repeatedly send goodwill letters to chase. usually i get a reply that says they cant alter correct information because it was compromise the integrity of the credit reporting system.recently, i got a response that said.....my credit report has been updated to reflect the necessary changes. but it list the late payments in the letter as a reference for "accurate"im confused: either i made matters worse and may have gotten a late payment or two added or the account was actually goodwilled in some way and chase sent/the representative that did the GW sent this letter as procedure to cover their a**.what do you think guys? has this ever happened to anyone?

    DB:3.06:Chase Gw Response. Huh? What? xd

    who do you send the letter to when using the secure message center. Thanks



    2014 Goals - 800 clubHelpful ThreadsBackdoor NumbersFrequently Requested Threads

  • RELEVANCY SCORE 3.06

    DB:3.06:Chase And Hsbc And Military Star Card 8j



    has anyone had any luck with chase and hsbc deleting lates from a paid charge off? i sent out some gw and there were denied. im sending out another round today. if anyone has any emails or other addresses for them please let me know.

    as for the start card well we have a few lates on that one too. does anyone know if they would delete. i sent them a letter to over a montha go and havent heard anything.

    thanks!

    DB:3.06:Chase And Hsbc And Military Star Card 8j


    wow... thanks for the number... im just not sure of deleting ti completely would be a good idea or not... but its worth a try! thanks..

  • RELEVANCY SCORE 3.06

    DB:3.06:Help! Letter From Attorney a3


    I rec'd a letter from an attorney dated May 3, 2010 claiming to be represented by Bluefield Asset Management-JP Morgan Chase. (original creditor JP Morgan Chase). States that as of April 30, 2007 I owed $2676.96 (Interest $1100.25; Principal $1326.71, Interest accrued through April 30, 2007; and, attorney fees of $250.00.) The attorney is [name removed] in Houston TX. Demanding payment directly to attorney. States instructed to only make one offer or proceed with law suit. Then gives my rights to dispute within 30 days or they will recommend to client that suit should be filed and that additional atty fees and court cost be added. Closes with "We are attempting to collect a debt and we are acting as a debt collector in this matter...."Hand signed.Here are my concerns about this ...The letter is addressed to "my first name-- maiden name initial --EX last name--current married name mispelled. " This account was opened up 2 years after my EX and I divorced. My EX last name has no association to this account. My last name has also been mispelled and so is my street address.I have not recieved any correspondance what so ever from Bluefield Asset Management-JP Morgan Chase.According to my past credit reports, Chase SOLD the account . I think it was sold to Heritage Chase and Unifund was trying to collect as of my March 2010 credit report.Details of original account (Chase):Opened 1/2005DOLA 8/2006Balance owed $0Charged off then soldDetails of Unifund:Opened 5/2009DOLA 10/2006Balance owed $2243Status 120+ past dueOpen accountLoan type: Factoring account
    so much does not match...
    I'm on a time frame and not sure what to do......DOES THIS SOUND LEGIT TO YOU? WHAT WOULD YOU DO? PLEASE HELP!! I HAVE NOT HEARD FROM ANYONE ON THIS ACCOUNT IN 3 YEARS THEN BAM! I GET A LETTER FROM AN ATTORNEY. I'M NERVOUS AND NOT SURE WHAT TO DO.

    [Edited; posting of a person's full name or other personally identifying information is not permitted on the FICO forums.]

    DB:3.06:Help! Letter From Attorney a3


    Some serious issues here. It looks to me like they are trying to sidestep the FDCPA.

    It appears that the debt is owned by the OC (which includes their heirs), and that no CA is reported on your CR? Correct?

    Now an attorney comes along who is purporting to be an agent of the OC in collecting the debt. They claim to be a "debt collector" on behalf of the OC. Dont let the fact that it came under attorney letterhead intimidate you. That is their intent.

    If so, they must comply with FDCPA 808(a), and send you a full dunning notice, including, not only the name of the OC and the amount of the debt, but additionally specific advisement of you dunning rights to request DV within 30-days. This dunning notice must be sent to you within 5-days of their initial commication with you. Have they done this? A statement that they require your response within 30-days, with a threat of legal action, is not proper advisement of your dunning rights. They seem to be playing it both ways.

    If they claim to be a "debt collector," then they self-assert to the definition as such under FDCPA 803(6). This automatically subjects them to the dunning notice requirement of FDCPA 809(a), and avails you of the DV process under FDCPA 809(b). I would immediately DV them. This will require them, as of the date of receipt of your DV letter, to cease all further collection activity util such time as they provide validation.

  • RELEVANCY SCORE 3.05

    DB:3.05:Chase Gw za



    I sent a GW letter to Chase about a credit card. I got a letter from them tonight that said they are going to delete it from all 3 credit reporting agencies. I am so excited! This wasa real baddy on my credit report. I don't know how it will effect my score, but it does wonders for my self esteem! Thanks everyone for all of your help!

    DB:3.05:Chase Gw za


    Thanks! I will keep you posted. These boards are the best! I have learned so much!

  • RELEVANCY SCORE 3.05

    DB:3.05:Gw Second Time Around? as


    So I sent off GW's to CC agencies that had a couple of lates on them. Success on one, score! However Chase has come back with a 'sorry, can't help' letter. I'll send another GW off, not letting this get me down. I'm wondering though, in the second GW, should I acknowledge the first letter, or just re-send the first letter, and hope it goes to someone different (and hopefully more sympathetic). For those of you who had success with a follow-up GW, what was your letter like? Thanks

    DB:3.05:Gw Second Time Around? as

    Not to get off topic, but I'm curious about the original question as well......

  • RELEVANCY SCORE 3.03

    DB:3.03:Gw Letter Response And Question mf


    Hi everyone. I recently sent a GW letter to Chase Home Finance and today I got two letters from them. One letter says in re: to credit correction request basically asking me to specify the month and year I am disputing along with any supporting documentation I may have, which I found odd since I didn't send them a dispute letter. I sent a goodwill letter simply asking them if they would delete any late pays from my credit reports with an explanation as to why we late.The second letter dated the same day says: This letter is in response to a recent inquiry about your loan. We have forwarded your issue to the appropriate department for response. You will receive confirmation as soon as this situation is resolved.I was kind of surprised to get two separate letters from them dated the same day, but with different responses.Has anyone got a letter from an OC where they said the request was forwarded to the appropriate department and if so, I was wondering if they deleted the late payments or not? I sent out several GW letters and this is my first response so far. I guess it's good that they didn't say no to it, but the waiting around for their official response is hard. Is there a specific department I should have sent this to? I just used the address on my CR and didn't specify a specific person or department.Has anyone had any luck with GW letters to Chase Home Finance?Thanks!!

    DB:3.03:Gw Letter Response And Question mf

    Hi everyone. I recently sent a GW letter to Chase Home Finance and today I got two letters from them. One letter says in re: to credit correction request basically asking me to specify the month and year I am disputing along with any supporting documentation I may have, which I found odd since I didn't send them a dispute letter. I sent a goodwill letter simply asking them if they would delete any late pays from my credit reports with an explanation as to why we late.The second letter dated the same day says: This letter is in response to a recent inquiry about your loan. We have forwarded your issue to the appropriate department for response. You will receive confirmation as soon as this situation is resolved.I was kind of surprised to get two separate letters from them dated the same day, but with different responses.Has anyone got a letter from an OC where they said the request was forwarded to the appropriate department and if so, I was wondering if they deleted the late payments or not? I sent out several GW letters and this is my first response so far. I guess it's good that they didn't say no to it, but the waiting around for their official response is hard. Is there a specific department I should have sent this to? I just used the address on my CR and didn't specify a specific person or department.Has anyone had any luck with GW letters to Chase Home Finance?Thanks!!

  • RELEVANCY SCORE 3.03

    DB:3.03:Chase Gw Success !!!! j9



    I sent a GW email to chase and recieved a letter back about a week later letting me know they would be deleting the TL! I cant wait to see the score increase for that!

    DB:3.03:Chase Gw Success !!!! j9

    sunnie_321 wrote:
    I sent a GW email to chase and recieved a letter back about a week later letting me know they would be deleting the TL! I cant wait to see the score increase for that!

    Good work!!

    Always nice to have success with GW letters.




    Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

  • RELEVANCY SCORE 3.03

    DB:3.03:Got Response From Gw Letter Sent To Chase A Couple Of Weeks Back 7c


    I sent out a GW letter to Chase asking them to remove (2) 30-day lates and they denied my request stating that they would compromise the integrity of the credit reporting agency if they wiped it out. What now ???



    God is keeping score....be good to others.

    DB:3.03:Got Response From Gw Letter Sent To Chase A Couple Of Weeks Back 7c

    tiME HEALS ALL lATES!!! THTS ALL U CAN DO OR SEND MORE! LETTERS TILL U GET THE RIGHT ONE! gL



    ~EveryThing Is Within REach~FICO FORUM roCKs.....

  • RELEVANCY SCORE 3.02

    DB:3.02:My First Successfull Gw With Chase!!! 8d



    sent a nice gw letter to chase asking to stop reporting two accounts. one was settled back in 2006 for less than the full balance, and was was included in the bk back in 2009. although these two accounts were scheduled to drop off on 6/12 and 9/12, it feels so much better to have them drop off now! thanks so much to this board and the 3-4 members that sent me chase contact info. its feels great to finally have one accepted!!

    DB:3.02:My First Successfull Gw With Chase!!! 8d


    Could I get the contact info for Chase also? I have one that will drop off later this summer, but don't want to wait that long to apply.

    Thanks!!

  • RELEVANCY SCORE 3.01

    DB:3.01:Gw To Mprtgage Bank c1



    Hi. I send GW letter to my bank, asking to remove one late payment happend recently and they deni my request.

    Should i try sent one more GW letter? And if "yes", how long should i wait before second letter?

    Thank you.

    DB:3.01:Gw To Mprtgage Bank c1


    Hi. I send GW letter to my bank, asking to remove one late payment happend recently and they deni my request.

    Should i try sent one more GW letter? And if "yes", how long should i wait before second letter?

    Thank you.

  • RELEVANCY SCORE 3.00

    DB:3.00:Gw Letter To Chase Auto jd



    Hi Everyone,

    I have a Chase Auto loan that I have had since April 2008. In the fall of 2009 I had some financial issues (divorce loss of my business). I was 30 days late 4 months in a row. I maintained good communication with Chase during that time and they were very nice to me through the process. Before those 30 days lates, I always paid on time. Since those 30 days late I have paid on time and usually pay more than what is due. My loan is actually close to being paid off.

    Now I am in the "credit clean up" process and would like to see if Chase will be so kind as to remove those 30 days late on all 4 months. Does anyone have a GW letter that they have used under similar circumstances (or with Chase) that was effective? I have never done a GW letter before and I am not sure exactly what I should be saying and if there are "key" words or phrases that I should be utilizing in the letter.

    Thank you so much!!

    DB:3.00:Gw Letter To Chase Auto jd


    GW letter done and put in the mail! Wish me luck!!

  • RELEVANCY SCORE 3.00

    DB:3.00:Chase Answered Gw, Yipeeeee 8d


    I sent only one GW letter to chase bank about two 30 day lates on my auto loan, that I'm paying on and they agreed to take one of the lates off. I wish they would have done both, one is good. Maybe about another three or four months, I'll send them another GW and asked them to remove the other. Yipeeeeeeeeee. GO CHASEMessage Edited by baby_girl039 on 09-01-2009 03:53 PM



    The only reason men fail, something broke their focus

    DB:3.00:Chase Answered Gw, Yipeeeee 8d

    Chase BankCredit Bureau DepartmentP.O. Box 901008Forth Worth, TX-761012008



    The only reason men fail, something broke their focus

  • RELEVANCY SCORE 3.00

    DB:3.00:Gw Letter To Chase Auto Finance, Success! a7



    Hi everyone,

    I'm one of those people who reads the forums frequently, but pretty much doesn't write. I generally find that most of the questions I have are already answered somewhere on the forums already, and I'm not enough of an expert to post advice.

    Per the suggestions on this board, I did write GW letters out to some people, specifically Chase Auto Finance. And I did have success with Chase Auto finance. As a result of this letter, they sent me a letter back indicating they would remove one (of the four) late payments ffrom my report. About two weeks later, when I pulled my scores, I saw they removed three of the four.

    One other thing to note. After I received the initial letter back from Chase, I sent a thank you letter to the individual who sent me the reply. Did this make the difference between having one late removed versus three? I don't know. But I think it's good practice. This guy did me a favor, and who doesn't like getting a thank you note in the mail? (A practice I use extensively in my business activities too)

    In case anyone wants to borrow my format, I am posting the two letters in this thread.

    DB:3.00:Gw Letter To Chase Auto Finance, Success! a7


    Can you please PM me the address you used for this Chase Auto Finance GW letter?? I just sent a GW to them to remove two 30 day lates and got the canned, "we have to report accurate information," letter back.

    Please help!!!!

    Thanks!

  • RELEVANCY SCORE 3.00

    DB:3.00:Chase Gw Email Addresses? pk



    Can someone please PM me email addresses for GW Letter to Chase? Thanks in advance!

    DB:3.00:Chase Gw Email Addresses? pk


    Could I please get a PM for the address also.

    Thank you.

  • RELEVANCY SCORE 2.99

    DB:2.99:Gw Contact Info pc



    Hi, does anyone have contact info for Citi and Chase for a GW letter?

    Thanks in advace!

  • RELEVANCY SCORE 2.98

    DB:2.98:Gw Response From Chase Re Auto Loan jf



    I wrote Chase a GW letter asking to reconsider reporting lates on an older closed car loan (final payment was 5/2007). Transunion shows 3 30-day lates; Experian shows 1 30-day and Equifax shows 3 (they also all show different delinquency dates as well - - I typically paid via their website, sometimes right before the 30 days were up so I'm wondering if there was a delay in the payment??? I only have about 3/4 of the printouts from the payments, which I didn't include in the first GW letter). Received a letter today from them saying they will remove 1 30-day delinquency.

    My question is should I continue to write GW's to them or just be happy with the one removal?? Not sure what success people have had with Chase regarding GW's. We're planning on buying a car within the next six months or so. Sent out about 5 GW letters, this was the first response received thus far.
    Message Edited by kbella on 12-27-2008 02:52 PM



    TU-579 EX-551 EQ-562 as of 1/14/09 (ouch)

    DB:2.98:Gw Response From Chase Re Auto Loan jf

    Bump...anyone?



    TU-579 EX-551 EQ-562 as of 1/14/09 (ouch)

  • RELEVANCY SCORE 2.98

    DB:2.98:Include Paid Letter When Sending Gw Letter?? zd



    Hi,

    I settled a Chase credit card account with a CA that was charged off, and the CA removed their collection account. Now I would like to write a goodwill letter to Chase for removal of the late payments and chargeoff, or the entire TL.

    When sending the GW letter, should I include the paid in full letter that the CA sent me so that Chase knows that the account is no longer unpaid?

    Thank you

    DB:2.98:Include Paid Letter When Sending Gw Letter?? zd


    Thank you for the information RobertEG. I will include it.

  • RELEVANCY SCORE 2.97

    DB:2.97:Unifund And A Law Firm!!!!!! Help!!!! xd


    A law firm put an unauthorized inq on my EX report and I received a letter from them today stating they are representing Unifund with a debt collection. I disputed with Unifund a few months back and only received a copy of an old credit card statement from Citibank as proof of verification (which I didn't think was substantial evidence as debt validation).My question is, how do I proceed at this point? Do I contact Unifund or the law firm with a PFD settlement option?

    DB:2.97:Unifund And A Law Firm!!!!!! Help!!!! xd

    I second that. DV, and if they provide proper validation then do PFD.Keep copies of everything you send and they send back. Lonnster's DV letter is phenominal.



    09/28/07 EQ 498 EX 537 TU 47712/27/07 EQ 526 EX 562 TU 54102/26/08 EQ 526 EX 589 TU 57911/09/08 EQ 562 EX 648 TU 578

  • RELEVANCY SCORE 2.97

    DB:2.97:Question About Gw Letter pj



    Hi,

    Sorry if my question has been asked before. I tried searching for it but could not find the answer.

    So here it is:

    I am writing GW. But I don't remember the full account numbers because I once shredded all my (baddies) cards. Some credit reports show the account number partially and a bunch of xxxxxx. I don't want to write my full SSN on the letter because it's so dangerous since my address is also on the letter.

    What is the best way to expose myself on the GW so creditor can look up my accounts.

    Regards




    FICO Scores 8: EX 731, EQ 731, TU 725Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9KStore: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200

    DB:2.97:Question About Gw Letter pj


    Hi,

    Sorry if my question has been asked before. I tried searching for it but could not find the answer.

    So here it is:

    I am writing GW. But I don't remember the full account numbers because I once shredded all my (baddies) cards. Some credit reports show the account number partially and a bunch of xxxxxx. I don't want to write my full SSN on the letter because it's so dangerous since my address is also on the letter.

    What is the best way to expose myself on the GW so creditor can look up my accounts.

    Regards




    FICO Scores 8: EX 731, EQ 731, TU 725Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9KStore: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200

  • RELEVANCY SCORE 2.96

    DB:2.96:Gw Letter 7k



    Hello all, I am new to here and see the term GW letter here a lot. Can someone explain to me what this is. Thanks

    DB:2.96:Gw Letter 7k

    Daled1 wrote:
    Hello all, I am new to here and see the term GW letter here a lot. Can someone explain to me what this is. Thanks

    Hello and welcome.

    Here is a thread that explains GW letters much better than I can.

    Goodwill Primer

    From a BK years ago to:9/09 EX pulled by lender 8023/10 EQ- 8004/10 TU -772You can do the same thing with hard workCredit Scoring 101Common Abbreviations Frequently Requested ThreadsWhats In Your FICO Score




  • RELEVANCY SCORE 2.94

    DB:2.94:Citi Card Gw Letter Success jk


    Sent GW letter to Citi card and had 30 day and 60 day lates successfully removed. They got back to me right away.Sent GW letters to MBNA BofA card and Captial One card about removing lates as well. Anyone have success with BofA MBNA and Capital One?Anyone have success with Chase?Any feedback would be helpful. Thanks.

    DB:2.94:Citi Card Gw Letter Success jk

    I am so sorry it took me so long to answer this. I didn't see it until tonight. Below is the address that I used. I hope it will help. Again, I apologize.
    Chase

    Credit Bureau Correction

    P. O. 15298

    Wilmington, DE, 19850

  • RELEVANCY SCORE 2.93

    DB:2.93:Don't Have Full Account Number For Gw Letter? 1m



    I am trying to finalize my GW letter and the only account number I have is the on one my credit reports. This is a very old account so I don't have any paperwork or anything to go back to. My problem is that the CR only shows '*' for the last 4 digits of the account number.

    I am obviously putting the account number on the GW letter is not having those last 4 digits and issue?




    Starting Score: 570 ishCurrent Score:EX (694) 10/2/2014, EQ (686) 10/2/2014, TU (684) 10/2/2014 (ALL MORTGAGE PULLS)Goal Score: 750In My Wallet: GE Care Credit (8K) BestBuy (6K) BofA Cash Rewards Signature Visa (5K) Cap One Quicksilver (4.5K) Chase Freedom (4K) Lowes (2.8K) VS Angel Card (1300)

    DB:2.93:Don't Have Full Account Number For Gw Letter? 1m


    Send what you have, they will be able to find it.




    Credit Scoring 101Guide to Common AbbreviationsOther Frequently Requested ThreadsClosing Credit CardsDirect Dispute

  • RELEVANCY SCORE 2.93

    DB:2.93:Chase Gw Letter Impact? jc



    First time posting here, but have been following these forums for a while now. You guys have been very helpful and great motivators too... Thanks a bunch for that....

    Had a single 30 day late payment on my Chase Card in July 2007 which was $60 or so, and they closed this account as soon as i paid it off.

    I had a DC ratio of close to 60%, with 20K in credit cards as on Jan 2011 including 2 other cards from Chase which have never seen a late payment since 2001. Have reduced it to 4000 which i will pay off this month. This bumped my score from 674 on Jan 2011 to 763 as of this month.

    Thinking this would be the time, i sent Chase a GW letter asking them to remove the single late payment on this closed account. Instead of removing it or sending me a response to this letter, EQ credit report now shows that the last updated date on this closed account is 05/2011. Does this mean, this late payment is gonna stick around longer - given it was recently updated?

    EQ Jan 2011- 674,

    Mar 2011- 701

    Apr 2011- 724,

    May 2011 - 763

    DB:2.93:Chase Gw Letter Impact? jc

    harishv79 wrote:
    First time posting here, but have been following these forums for a while now. You guys have been very helpful and great motivators too... Thanks a bunch for that....

    Had a single 30 day late payment on my Chase Card in July 2007 which was $60 or so, and they closed this account as soon as i paid it off.

    I had a DC ratio of close to 60%, with 20K in credit cards as on Jan 2011 including 2 other cards from Chase which have never seen a late payment since 2001. Have reduced it to 4000 which i will pay off this month. This bumped my score from 674 on Jan 2011 to 763 as of this month.

    Thinking this would be the time, i sent Chase a GW letter asking them to remove the single late payment on this closed account. Instead of removing it or sending me a response to this letter, EQ credit report now shows that the last updated date on this closed account is 05/2011. Does this mean, this late payment is gonna stick around longer - given it was recently updated?

    EQ Jan 2011- 674,

    Mar 2011- 701

    Apr 2011- 724,

    May 2011 - 763

    Hi there and welcome.

    Late payments report for 7 years from each individual date of delinquency. This is regulated by the CRTP (Credit Reporting Time Period) and cannot be changed by anyone for any reason. The updating of this account will not affect the drop off date. It should be gone by 7/2014.

    From a BK years ago to:EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".




  • RELEVANCY SCORE 2.92

    DB:2.92:Chase Gw Worked!!!! am



    WooHoo!! GOOD BYE, old Providian -- WaMu -- Chase charge-off!!!!!!! Looks like I just needed to wait for the global economy to collapse and have a prime creditor buy out WaMu for a good will letter to work!! Woo!!!!

    DB:2.92:Chase Gw Worked!!!! am

    hdrider07 wrote:
    May I have the contact info for the GW too, thank you

    Just fyi, this thread is years, and the OP hasn't posted here in over a year..

    -scott




    Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor SystemsOther Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander ReposessionPositive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX

  • RELEVANCY SCORE 2.92

    DB:2.92:Any Gw Luck With Sears, Wells Fargo, Chase Na?? p3



    I've sent severalGW letter to Sears, Wells Fargo, Chase NA, these are accounts i've had closed for about 4 years and no GWluck

    Has anyone had any luck w/ there accounts? if so, what format/ addy/ contact person did you use? any help I can get! thanks all!

    (I will not give up)




    10/13/08 - EX 622 - TU 612 - EQ 595

    DB:2.92:Any Gw Luck With Sears, Wells Fargo, Chase Na?? p3


    Wife's cousin had luck with Sears...but it was for a closed account...with a few lates...not a charge off...

    SEARS
    P.O. Box 6189
    Sioux Falls, SD 57117

  • RELEVANCY SCORE 2.92

    DB:2.92:Chase Gw Address dk


    Does any one have address for Chase GW. I want to write to them about old co prov/wamu/chase account.

    DB:2.92:Chase Gw Address dk

    I am going to post a note on the planetfeedback and see what comes as outcome.

  • RELEVANCY SCORE 2.91

    DB:2.91:Gw Chase Auto Finance? 8d


    Has anyone had any luck with a GW letter to Chase Auto Finance? I have a 60-day and seven (!) 30-day lates with them from 2004 and wondering if I have a shot. Just curious about GW results with Chase or with car loans in general.

    DB:2.91:Gw Chase Auto Finance? 8d

    Has anyone had any luck with a GW letter to Chase Auto Finance? I have a 60-day and seven (!) 30-day lates with them from 2004 and wondering if I have a shot. Just curious about GW results with Chase or with car loans in general.

  • RELEVANCY SCORE 2.90

    DB:2.90:Gw To Chase Bank For Co? c1


    I have a chase charge off falling off the credit report in about 14 month. They sold it to a JDB, which I took a settlement with. I paid 50% and they deleted from reports. I am wanting to send chase a gw and ask they remove the charge off early. Are they likely to do this?

    DB:2.90:Gw To Chase Bank For Co? c1

    I have a chase charge off falling off the credit report in about 14 month. They sold it to a JDB, which I took a settlement with. I paid 50% and they deleted from reports. I am wanting to send chase a gw and ask they remove the charge off early. Are they likely to do this?

  • RELEVANCY SCORE 2.90

    DB:2.90:Chase Mortgage Gw d9



    back in 2010 our mortgage went to 120 days late before it was sold. It was not a short sale and everyone (first, second mortgages) were paid. On my credit report it states a 0 balance but a M5 is on our Experian report. I called Chase and tried to get them to change it off a foreclosure starting. The lady I spoke to was very rude and said that it was 120 days late August first and that it closed August 16 so they are reporting correctly and will not change it. Should I just keep calling or try sending a GW letter once a week?

    or is there a particular person I should be sending these GW letters to?

    DB:2.90:Chase Mortgage Gw d9

    Floridafun wrote:
    back in 2010 our mortgage went to 120 days late before it was sold. It was not a short sale and everyone (first, second mortgages) were paid. On my credit report it states a 0 balance but a M5 is on our Experian report. I called Chase and tried to get them to change it off a foreclosure starting. The lady I spoke to was very rude and said that it was 120 days late August first and that it closed August 16 so they are reporting correctly and will not change it. Should I just keep calling or try sending a GW letter once a week?

    or is there a particular person I should be sending these GW letters to?

    I would be sending the letter to the Chase CEOs office, it took me 3 years to get GW from a CU so be prepared for the long haul on this, I sent 1 letter a month to the CEOs office, you can set any increment you like but I would only do 1 a month max.

    Chase CEO address : https://www.google.com/search?q=jpmorgan+chase+ceo+addressie=utf-8oe=utf-8#q=jpmorgan+chase+corpor...




    EX Fico 08 BC 04/15: 790 (0); EX Fico 04 V2 06/14: 775EQ Beacon 5.0 12/14 757TU Fico 8 04/15: 757 (0)

  • RELEVANCY SCORE 2.90

    DB:2.90:Chase Gw Letter zd



    I sent my first GW letter through email to Chase and received a phone call from the executive office approving deletion of my CO account! I first tried calling and had no luck. But thanks to 'Cmon700' for sharing her story and sharing the contact information, I had success with my GW letter!

    DB:2.90:Chase Gw Letter zd

    Congratulations as well. Can you send me the contact information also? Thank you

  • RELEVANCY SCORE 2.90

    DB:2.90:Gw How Long Until Send Again? ja


    So I sent my first GW letter out to HSBC Best buy card for 30 day late to address on credit report. No response at all after 3 weeks... Should I resend it to the same address and see if someone responds. I'm going to attempt to find another address as well.



    5/5/08 EQ 6969/13 EQ 796 Thanks myfico!Amex Blue Cash 15K, PenFed Cash Rewards 18K, Macy's 1K, Chase Freedom 6K, Cap1 Quicksilver Visa 15K

    DB:2.90:Gw How Long Until Send Again? ja

    They don't have to respond...you can send another now if you want...HSBC is one of those companies that are hard to deal with..maybe they will be a little more helpful...if your account is opened...

  • RELEVANCY SCORE 2.90

    DB:2.90:To What Address Do I Send A Gw Letter To ? 1z


    I need to send one to CHASE and to BANK OF AMERICA. What address should I send them to ? Thanks ! N



    God is keeping score....be good to others.

    DB:2.90:To What Address Do I Send A Gw Letter To ? 1z

    I haven't tried this with Chase and BofA, but if you were to click other links within their website like Privacy Policy, Investor Relations, Newroom, Terms of Use, or others like than, then you will likely find alternative addresses.Edit to add....just found 2 addresses for Chase (investor relations privacy policy, I think) and also found the e-mail for the chief CC contact. BofA was easier, they post several addresses on their site within the contact us link.Message Edited by llecs on 05-20-2008 04:45 PM

  • RELEVANCY SCORE 2.89

    DB:2.89:Just Sent Gw Request To Chase... 9x



    by fax. I noticed my credit reports now show a charge-off from Chase NA instead of Washington Mutual. Before WaMu, it was a charge-off from Providian Financial.

    WaMu laughed at my GW letter and replied telling me I had a better chance at inventing time travel than getting them to GW the derog off my reports. I think I even sent them a picture of puppies attached to my letter just to lighten the situation. Hopefully Chase will be more benevolent. I will keep everyone posted.

    DB:2.89:Just Sent Gw Request To Chase... 9x


    I sent Cap One a GW for a CO a few months ago. I just sent it to the regular address in Salt Lake City, and it was removed in a few weeks without a word from them. It had a $0 balance.

    I am trying desperately to get Chase to remove a $0 balance CC CO as well, but nothing yet. I've e-mailed the same guy that several people have had success with, but havent heard anything yet. Good Luck.




    August 6, 2008 EQ- 428 EX- 440 TU- 471December 9, 2008 EQ- 501 EX- 503 TU- 513March 16,2009 EQ- 554 EX- 565(FAKO) TU- 575April 17, 2009 EQ- 570 EX- ??? TU- 565August 13, 2009 EQ-622 EX-??? TU-627LOAN OFFICER SCORES August 17, 2009 EQ-622 EX-652 TU-640

  • RELEVANCY SCORE 2.87

    DB:2.87:Opinion On Gw pp


    I have a situation with my student loans account, they are reporting 90 and 120 days late for Dec and Jan. I got the account in forbearance presently and can afford to PIF next month when forbearance finishes. Would you send a GW letter with the payment? Can I send a GW letter now that I still owe them the $400 or wait until payment is received and a few months have passed?



    Bank of America $5000/ Alliant Credit Union $2000/ Amazon Chase $2000/ Capital One $1600/ First Premier $475

    DB:2.87:Opinion On Gw pp

    I am by no means an expert at this, but my suggestion would be to call and discuss with an account rep. Let them know your situation, tell them you want to PIF and ask about the possibility of removing the lates for PIF. You do not want to PFD because that would remove a possibly good TL from your report and could lower your score. What you want in this case is just removal of the lates on your report. Having the ability to PIF gives you a little bargaining power with them. That is the route I would personally take if it were my situation. Hope this helps.

  • RELEVANCY SCORE 2.86

    DB:2.86:Gw Letter For Chase Auto Finance k7



    Hello,

    I am working on my hubby's credit. Our auto loan with chase was opened 6/1/2008. In a mistake by me....I let Nov's payment go 30 days to the exact day. SO, for December it is showing 30 days late on Eq and TU but not for EX. I want to send a goodwill letter. I was wondering does anyone know who I should address the letter and what letter to use? Also, should I hand write the letter or type it? has anyone had any luck GW'ing chase auto?

    Thanks

    Stephanie

    DB:2.86:Gw Letter For Chase Auto Finance k7


    check the chase auto finance website. i found a ft worth address.. and they removed a 30 late quick..

    good luck...

  • RELEVANCY SCORE 2.86

    DB:2.86:Question About Gw Letters.. a1


    I am currently reviewing my credit report and I have several paid collection accounts such as with my target card, an att cell phone, kay jewlers, chase, davids bridal, and capital one. These were paid about a year or two ago. The collection agencys aren't showing up on my report, but i know i paid them. I want to send them a gw letter and see if i can get them removed. Should I just send them to the OC?

    DB:2.86:Question About Gw Letters.. a1


    When you have an account that hasn't updated in some time and the GW letter prompts the OC/CA to update, it CAN hurt you.

    When you have an account reported by the OC that is very old and you senda GW letter and they remove, you lose the good with the bad and it CAN hurt you.

    To say that sending a GW on a paid account can NEVER hurt you is kind of misleading.

    RobertEG wrote:

    Sending a GW on a paid account can NEVER hurt you.

    The drop off date of a CA account is 7 1/2 years from the DOFD on the OC account. FCRA 605(c).

    Any DOLA you have wth the CA during their collection activity donot even have any affect on drop off date. And most certainly GW letters do not even go the CRAs,and can have absolutely no negative affect. A CA cannot update your DOFD, period. But paying the CA does not remove the account.

    The OC has no authority to withdraw or delete a paid CA account. The legal chain of debt owed ended when the CA was PIFd. Debt is gone.

    GW the CA.

    Message Edited by RobertEG on 05-03-2009 10:57 PM




    -----------------------------------------------------------------------------------------------------Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources

  • RELEVANCY SCORE 2.85

    DB:2.85:Chase Gw Letter dx



    For those of you who've had success with Chase, what e-mail or number did you use?

    Thanks in advance!

    DB:2.85:Chase Gw Letter dx


    Not to thread hijack, I got a thread going for successful GW attempts. Take a look at it.

    -SD




    533 542 533

  • RELEVANCY SCORE 2.84

    DB:2.84:Bank One/ Chase Home Finance fd


    Are they one in the same?? I'm confused! Who do I send a GW letter to? Which address is correct. Same account #'s and similiar info (DOLP is different by a month or so on each report). The account was paid in full and had 3-30 day LP's and 1-60 day LP. I'm sending a GW to see if I can get the LP's removed. Should I send one GW to Bank One and one GW to Chase Home Finance?TU as Chase Home FinanceEQ as Bank OneEX as Bank One



    911 Operators....America's Lifeline!

    DB:2.84:Bank One/ Chase Home Finance fd

    Ok, thanks! I'll just address the letter to Chase and mail it to their address!Really appreciate the info



    911 Operators....America's Lifeline!

  • RELEVANCY SCORE 2.84

    DB:2.84:Chase Gw Contact Info? 3c


    Would somebody be kind enough to PM me the contact information for sending a GW letter to Chase? If you've done it before, we're you successful? Did you mail or email your letter?

    DB:2.84:Chase Gw Contact Info? 3c


    May I have the GW contact info for Chase as well, please?

    Thanks so much!




    Starting Score: 524Current Score: 715Goal Score: 720Take the myFICO Fitness Challenge

  • RELEVANCY SCORE 2.84

    DB:2.84:Sending A Gw Letter To Dillards, Question sd


    Where do you send a GW letter and who do you address the letter to?

    DB:2.84:Sending A Gw Letter To Dillards, Question sd

    Send it to the address that is listed on your CR.

  • RELEVANCY SCORE 2.83

    DB:2.83:Weird Response From Chase For Gw Letter 7k


    Message Edited by kpaul212 on 12-03-2007 08:20 AM

    DB:2.83:Weird Response From Chase For Gw Letter 7k

    Message Edited by kpaul212 on 12-03-2007 08:19 AM

  • RELEVANCY SCORE 2.83

    DB:2.83:Really Need Chase Gw Email Address as


    I would Love it if someone would PM me the info for chase to email a gw letter, I have it all drafted and am ready to send, also do you this k since I have 2 accounts with them, both charge offs at the same time I should send desperate emails or include both accct numbers in the same email/letter?Thanks!!!!

    DB:2.83:Really Need Chase Gw Email Address as


    If still available, could you please PM me the Chase email address? Thanks.

  • RELEVANCY SCORE 2.83

    DB:2.83:Chase Successful Gw 9z



    Hey everyone,

    I've sent out GW letters to several companies, and I got my first success back! Chase sent me a letter saying that my account was no longer in their system, so they have requested Equifax, Experian, and TransUnion to remove the account information from my credit bureau report. It's a small win (30 day late + Account closed by credit grantor), but I'll take it.




    Starting Scores:10/09/13 EX ???; EQ 661; TU 668 Current Scores: 11/23/13 EX 655; EQ 679; TU 705 Goal Scores:700+ for allTake the myFICO Fitness Challenge

    DB:2.83:Chase Successful Gw 9z


    please pm me contact for chase I needed so bad for gw

  • RELEVANCY SCORE 2.82

    DB:2.82:Chase Gw Address? jz


    Anybody have Chase GW contact and address? any successful stories?

    DB:2.82:Chase Gw Address? jz

    The only dispute I had with them was at my highest debt and worst situation. They has just bought Bank One, meaning I then had 2 low CL cards with them. They immediately increased the APRs and after contacting them, I ended up canceling them both but having my lower APRs stay in place.One's paid off and the second is @ $400. So close.....JF

  • RELEVANCY SCORE 2.82

    DB:2.82:Chase Response To Gw Says They Cannot By Law Remove A Late pk



    Chase responded to my GW letter saying that "The Fair Credit REporting Act requires the bank to accurately report all information regarding a Customer's account history. To preserve the integrity of the credit reporting system, we are unable to alter valid information reporting to the credit reporting agencies."

    How can this be, given all the "success stories" I've read on this forum of people getting late payments cleared off their credit reports?

    Should I send another letter?

    DB:2.82:Chase Response To Gw Says They Cannot By Law Remove A Late pk


    Yeah, I did some more digging and I noticed that, too. It's a late from a card I still have. I have noticed most (if not all) of the GWs are for deleting trade lines altogether. Which makes sense if the law requires them to report accurately, the only way they can stop reporting a late is to stop reporting the account. I may start a new thread on this, because it is a waste of people's time to ask for lates to be removed on accounts still open.

    Funny thing is, that late must not bother them too much. They just upgraded me to the Freedom card and gave me an auto CLI.

  • RELEVANCY SCORE 2.82

    DB:2.82:Chase--Calling Gw 37



    I have a quick question, has anyone called Chase and actually had late payments removed?

    We paid off the balance last month (2.5K), we plan to keep the card (it was Circuit City and was changed to Chase Freedom). We have 1 late 30 days payment from Sept. 2006. I'm not sure if I should call to get this removed or send a letter instead...any suggestions? Thanks!




    (2/13/09) TU: 650, EX: 683, EQ: 650Hoping for 700 by summer time!

    DB:2.82:Chase--Calling Gw 37

    do you have the email address you used?

  • RELEVANCY SCORE 2.82

    DB:2.82:At My Wits End With Unifund And Lvnv... Help! p8



    Ok, I am STILL dealing with UNIFUND and LVNV

    Each account is to the tune of $3000,00 each

    Both are beyond SOL for my state

    I have DV them with the CMRRR green cards the 3 times like I have read here with the full media validation letter.

    UNIFUND/OC Was CHASE:

    As a response I got copies of a few of the last CHASEstatmentsfrom UNIFUND.

    Replied that is not proper validation that I owe the debt

    Got nothing back

    LVNV/OC was HSBC:

    I have gottenNOTHING back from LVNV

    I sent copies of all of my GREEN cards to EQ stating no reply/response was ever given to me from LVNV and the tradeline should legally be removed.

    Got a generic letter back from EQ stating the debthas somehow been validated....???? WHAT!

    If anyone hasadvice for either of these accounts I am all ears!

    Thx in advance! You guys are awesome!

    DB:2.82:At My Wits End With Unifund And Lvnv... Help! p8

    They will respond to a summons.



    Starting Score: TU 737 EQ 721Current Score: TU 741 EQ 741Goal Score: TU 765 EQ 760Take the FICO Fitness Challenge

  • RELEVANCY SCORE 2.82

    DB:2.82:Gw Letter For Chase Home Finace d3


    Hello I wrote chase home finance a GW letter to see if they would removetwo 30 day lates over a yearold off my report. They sent a letter to me stating that they do not remove or delete.Has anyone else had luck with them? I thought they would delete because we paid off our mortgage with the sale of our house...

    DB:2.82:Gw Letter For Chase Home Finace d3

    I have Chase Home Finance currently and have found them easy to deal with. I have not had any lates with them though. Are you preparing to finance another home?Try sending out another GW letter...because one person said NO, doesn't mean another won't. It's worth a try.

  • RELEVANCY SCORE 2.81

    DB:2.81:Who To Gw For Closed Wamu Cc j7



    I included a WAMU CC in a BK that was discharged in Feb 2007. Now I am trying to GW all my accounts to try and at least get rid of the lates. Now that Chase bought out WAMU does anyone know where I should send a GW letter to? Has anyone tried and been successful with Chase for a WAMU account?

    Thanks!




    1/12/08 TU 577 EQ 633 EX 6657/15/08 TU 591 EQ 655 EX 6723/11/09 TU 660 EQ 64711/10/09 TU 707 EQ 67603/01/11 TU 697 EQ 682

    DB:2.81:Who To Gw For Closed Wamu Cc j7

    Since Chase now owns it you would have to GW them... WAMU doesn't actually exist anymore. My husband has a card with them that we just tried GWing... havent heard back yet though so I can't really tell you whether or not it was successful, but I know that who you'll have to send it to. It was a little confusing to us at first also. Let me know if you have any luck!!

  • RELEVANCY SCORE 2.80

    DB:2.80:American Honda Finance (Active Acct) Gw Success; No For Chase Auto Finance kf



    Have been a long time visitor of the forums and without these forums, I would've been lost.

    This is the 1st time I've sent GW letters..

    American Honda Finance - active account for 1.5 years, had (1) 30-day late roughly 6 months into it, made payments on time since

    Result: 30 day late was removed causing FICO score to jump a min 20 points

    I sent a GW letter late May 2013 to the address on my credit reports. I received a call about 3 weeks later from a rep at AHF wanting to talk to me about my letter. I missed the initial call...and 3 more. We ended up playing phone tag. A few days later, the rep left a VM saying that the 30 day late was removed and changed. Success!

    Chase Auto Finance - last active Jan 2009, (4) 30 day lates and (4) 60 day lates, showing as derogatory/negative indicator in my reports even after 4 years

    Result: received a canned letter saying that the info was reporting accurately

    I sent a GW letter late May 2013 to the address on my credit reports. About a month later, I received a canned letter. I've since sent another letter hoping to get it in the right hands. I didn't specifically say in my letter, but I'm looking to get at least some of the lates changed and even the entire tradeline removed.

    Any tips on how to go about the Chase Auto Finance GW? Has the damage already been done on my FICO scores whereas this tradeline no longer matters?

    Thanks.

    DB:2.80:American Honda Finance (Active Acct) Gw Success; No For Chase Auto Finance kf


    Will you please private message me AHF contact information?

    Thanks,

    Chris

  • RELEVANCY SCORE 2.80

    DB:2.80:Chase Rejected My Gw, But Did I Target The Right Department?? xs



    I call Chase customer service and they gave me the fax for Credit Bureau Disputes. I advised that I am not disputing the validity of the lates just asking for them to be removed. I was told that is still the department to send my GW letter. Well today I got a "sorry but I cant help you" letter. Should I direct a GW to a different department or should I hound this rep?

    DB:2.80:Chase Rejected My Gw, But Did I Target The Right Department?? xs


    I call Chase customer service and they gave me the fax for Credit Bureau Disputes. I advised that I am not disputing the validity of the lates just asking for them to be removed. I was told that is still the department to send my GW letter. Well today I got a "sorry but I cant help you" letter. Should I direct a GW to a different department or should I hound this rep?

  • RELEVANCY SCORE 2.80

    DB:2.80:Is Gw Letter Should Be Handwritten Or Typed? mc


    I'am trying to make a GW to Chase and I am not sure if handwriting it would mean more sincerity on my request?DOFDChase - Nov 03account was charged-offam I right Nov 2010 is when it will fall off my CR, counting from DOFD (learned from the forum)?what if they'll not do anything and just rather update the file isn't that gonna hurt my score again?Should I continue writing or just wait for my 7yrs?

    DB:2.80:Is Gw Letter Should Be Handwritten Or Typed? mc

    poet wrote:
    (flogs self for signing DV letter)

    This made my day!

    And I am laughing with you.




    Credit Scoring 101Guide to Common AbbreviationsOther Frequently Requested ThreadsClosing Credit CardsDirect Dispute

  • RELEVANCY SCORE 2.80

    DB:2.80:Chase Gw Hopeful Success Story dm



    Hey! I just wanted to thank everyone who posted their success stories with their Chase GW letters. I was really stupid during my freshman year of college and thus have a CO account from Chase from 2007. I finally paid a settlement this past summer to Midland and figured I would send out a GW email to Chase. I sent one out this morning and heard back from Chase around 4:00 pm. The representative informed me that they recieved my GW letter and were researching the account and that they would get back to me once they have the proper information. I read here that usually you need to give them a follow up call, so I will do so if I do not hear from them again in the next couple of days. I just think it is amazing that they actually get back to their customers so quickly. Wish me luck!




    Scores: EX: 793 EQ: 804 TU: 801

    DB:2.80:Chase Gw Hopeful Success Story dm

    UPDATE: The CHASE CO account has been removed from all 3 CRA's. Score watch just informed me that my EQ FICO has went from 676--698. I'm so close to my goal of 700!! Thanks to everyone for their help and advice!!P.S. Does anyoe still need the contact info?



    Scores: EX: 793 EQ: 804 TU: 801

  • RELEVANCY SCORE 2.80

    DB:2.80:Gw Letter Questions zf


    When is it acceptable to write a GW letter?Can someone post an example of a GW letter please.Do these often work?

    DB:2.80:Gw Letter Questions zf

    When sending a GW letter to a OC....If the account was sent to a CA and is not PAID will they everdelete the original account as a result of the GW request?

  • RELEVANCY SCORE 2.80

    DB:2.80:Wish Me Luck!!!! Gw Letter fc



    I have sent GW letters to Target and Prestige Financial to remove late payments..Im keeping my fingers crossed.

    DB:2.80:Wish Me Luck!!!! Gw Letter fc

    wisdomgained wrote:
    showcredit, were you successful in getting your late removed with prestige fiancial? I am trying to get one late removed and they are not budging. Just wodnering if you had success with your goodwill letter and if you did, what did you say?

    This thread is almost 2 years old so you might not get an answer.

    From a BK years ago to:EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".




  • RELEVANCY SCORE 2.79

    DB:2.79:Can A Law Firm File A Judgment For An Unlicensed Ca? ak


    Bear with me as I am relatively new at all of this. Can a Law Firm file a judgment for a collection agency that is not licensed in your state?I received a letter from a Law Firmwith a copy of a default judgment against me for Unifund Partners. I checked with the Department of Financial Institutions for Nevada and Unifund is not licensed to do business here. So, is this a valid judgment? I never received any documentation that I was even being sued.

    DB:2.79:Can A Law Firm File A Judgment For An Unlicensed Ca? ak


    I concur-
    This is legal and oftem the only legal why (other than being licensed) to collect.

    The licensing fees for CA's is pretty expensive in some states- many by the # of collectors-

    sidewinder wrote:

    Lady_Scarlet wrote:
    if the lawyer that obtained the judgment in NV is a member of the NV bar then YES. Many CAs will go this route when they aren't licensed they hire someone who canconduct business there.

    So it is legal for a lawyer to represent a unlicensed CA in your state(if your state requires licensing) and they can get a judgement for you?

    That is unreal, the CA is still doing the collecting, the lawyer just represents them in court.

  • RELEVANCY SCORE 2.79

    DB:2.79:Critique My Gw Letter To Chase 1c


    I have taken this GW letter and modified it from the sample GW letters thread...please tell me what you think, and if i should include anything else. also, should i mail this letter or email it? i think hand mailing it would be better. and do i put my personal information in this letter? account number? wich i dont have save for the experian report minus the last 4 numbers. i dont want to put my ssn in it, so i guess the name will have to do?"I am writing to see whether Chase Bank would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts. I am asking whether Chase Bank would remove the adverse late payment and settlement reporting from these accounts in reporting to the credit bureaus. I understand this is a rather unusual request--particularly as my account fell behind upwards of 120 days and was settled in full after closure.Chase Bank was extremely helpful in working with me during my college years and missed payments. The use of this card helped me to complete my college schooling and start a career path in my profession. The ease with which I was able to resolve this account gave me something to pay off and helped me to move forward.If what I ask is too much, then any goodwill adjustment to the reporting bureaus would be most appreciated.Regardless of your decision, please know that I thank you for helping me at a time when it was seriously needed, and I hope to do business with Chase again one day."Message Edited by ezkialrage on 11-28-2007 12:39 PMMessage Edited by ezkialrage on 11-28-2007 12:54 PM

    DB:2.79:Critique My Gw Letter To Chase 1c

    Honestly you need to make it not read like it came from this forum. As I'm sure almost all the CAs and OCs have been hit with similar letters, so you have to make it personal and HOPE that the right person gets it.I've been writing GW letters to Wachovia for the past 3 months now, and I'm getting a similar response. Most recently, the letter I received actually had a person's name and handwritten signature on it. I'm going to write that person directly next with a better plea, stating that the OC isn't obligated to report, just obligated to report accurate information.

  • RELEVANCY SCORE 2.79

    DB:2.79:Looking For Address, Email, Or Fax Number To Send Gw Letter To Chase 8k



    I am trying to find out how to send my GW letter to Chase? Can you send it via email or even fax? That would be my first choice. Otherwise a physical address works.

    Any help with this greatly appreciated!

    DB:2.79:Looking For Address, Email, Or Fax Number To Send Gw Letter To Chase 8k


    While you are looking for faxes or e-mails, I'd start by mailing it to them. I'd use the address(es) listed within your CR since that's the department used for reporting. After 30 or so days and after pulling your reporting again you see that there is no change, then I'd retry the same address but I'd also start calling in the request. After calling in and if they still say "no":, then certainly ask for their fax and/or e-mail. Add it to your contacts for the next round of GWs.

  • RELEVANCY SCORE 2.78

    DB:2.78:Gw Letter - Rjm k9


    Sent GW letter to RJM and they agreed to delete a collection from my credit reports. They indicated that it would take 45 days. Does anyone know if it typically takes the full 45 days to be deleted. Should I be sending RJM's letter directly to the CRAs?



    Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)Goal Score: 72020K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13

    DB:2.78:Gw Letter - Rjm k9

    Thanks injustifiable. I just got shot down by Midland today. Waiting to hear back from National Recovery. Hoping to at least go two for three. They are the only collections on my reports.



    Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)Goal Score: 72020K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13

  • RELEVANCY SCORE 2.78

    DB:2.78:Gw Letters j8



    So I have sent out at least 4 rounds of GW letters. Some have worked, some have not. The other day I get a letter from Chase basically saying that they have received all my other letters and to please stop sending them anymore letters.

    So guess what is going out in the mail today...I'm sending out three letters to different address. They can't get rid of me that easy!!!

    DB:2.78:Gw Letters j8

    Good going, Donks,looks like you made their hit list!

  • RELEVANCY SCORE 2.77

    DB:2.77:Chase Auto Loan - Ceo f3



    Finally dawned on me today. Been sending GW letter after letter to every Chase auto/Subaru finance address I could find over the past year to get a 60 day late and a couple 30 day lates removed. With Chase being such a large company, it dawned on me today...there has to be a Chase Auto Loan CEO out there. Someone higher up the the VP I was dealing with at Subaru Finance. Sure enough, I found someone.

    She recieved a wonderful email today about getting my 60 and 2 30 day lates removed. Hopefully a quick response will come tomorrow.

    Edit: personal names...




    Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13Current MyFico Scores: EX 687EQ 696 TU 687 on 4/18/15Goal Score: 720Take the myFICO Fitness Challenge

  • RELEVANCY SCORE 2.77

    DB:2.77:Sucess With Collecion Deletion With Help From Aca International jd



    ACA International AMERICAN COLLECTORS ASSOCIATION INTERNATIONAL is the body that collection companies are registered to kind of an regulation agency for collection association.

    I hadtwo accounts byCHASE that were charged off in 2004 and one was sold to UNIFUND. I have since paid both accounts out of moral obligation to the tune of 19,000. 10,000 to CWF and 9,000 to Unifund. This was paid in 2008. Unifund continued to report the account as 120 days past due with 0 balance account paid on all the CRA (not as a collection but as a open account)

    2 they also did what most of you complained about, they constantly updaed my account in 2007-2008 sometime three times per month changing the balance form 0 to 8999 , then back to 0 . sometime just changing the balance by $1. I subscribe to equifax credit monitoring so i printed copies of all the changes ( proof of harrasment)

    3 the DOFD is also incorrect.

    fast forward to now.... I joined the forum after I paid off all my collections and was unaware of my leverge. i tried to GW unifund they would not budge. i tried the CRA removal for incorrect DOFD. they woul dnot budge and as a matter of fact they updaed the paid account to reflect a balance dropping my score from mid 700's to high 600 i was pis.... offf. I had to send in the proof of 0 balance to all CRA in order to restore my score back above 700 but notwhere it was before. so i filed a complaint with the ACA . I found teh information from a book i was reading last year onprotecting credit , restoring credit.

    i outlined my concerns to the ACA and send copied of all documentation, i send copies to the FTC , Fl attorney general also. ACA were professional and responded very quickly. they send the attorney for Unifund my documents and concerns and gave us 30 days to come to a resolution. In 72 hours of their response I got a letter from Unifund admitting no wrong doing but will remove the information from my credit file. it is gone from transunion before i got the letter ( i noticed it was gone on Amex credit secure).i am awaiting deletion from equifax and experian. they send my draft of the letter to cra and the e oscar request for deletion. they went abovve and beyond jumping over all hoops. ooops too late.

    the FTC and FL attorney general ahs send me additonal form to be completed and stated " we cannot give you legal advice but you may also seek reporesentation from an attorney"I will sue them myself 1000 for each violation. or I can be just happy it is gone (which I am).

    I have one more collection listed and of course wrong DOFD. If it is not correctedmy score willsuffer for 1 yr and 3 months longer than it legally should. they too did the same crap to me with updating mybalanceback in 2007trying to penalize my score . i am trying 1 last GW effort with northeast credit and collection NCC aka Commonwealth financial if no luck then I will report them also. anyonhe with contacts? i will greatly appreciate the info.

    i related this so that anyone who has strong grounds for collection account removal can file concerns with the ACA . they are very helpful. do not complain if you are seeking GW because there is no violation on the part of the collection agency. use the information wisely.

    i am not sure if I can put out the address and tele of the agency on the board so just google the name. I can also send ifo by PM. so that others can PM it forward i also got the e-mail for the UNIFUND attorney.

    DB:2.77:Sucess With Collecion Deletion With Help From Aca International jd

    Credit-Wise wrote:
    i am not sure if I can put out the address and tele of the agency on the board so just google the name.

    You can. Just omit any names or any personal/business contact info (e.g. johndoe@whatever or direct lines).

  • RELEVANCY SCORE 2.76

    DB:2.76:Goodwill Letter Help? a8



    I have sent snail-mail GW letters to a few CC's and CA's and was hoping some people on here might have email connections for some accounts. Ones I would be looking for are:

    CA's:

    Asset Acceptance

    LVNV

    Midland

    OC's:

    Chase

    GECRB - JCPenney

    They are all quite dated/paid and will be falling off in the next 9 months, but figure GW letters may speed the process. =)

    DB:2.76:Goodwill Letter Help? a8


    I have sent snail-mail GW letters to a few CC's and CA's and was hoping some people on here might have email connections for some accounts. Ones I would be looking for are:

    CA's:

    Asset Acceptance

    LVNV

    Midland

    OC's:

    Chase

    GECRB - JCPenney

    They are all quite dated/paid and will be falling off in the next 9 months, but figure GW letters may speed the process. =)

  • RELEVANCY SCORE 2.76

    DB:2.76:Should I Send A Gw Letter/Email To Chase? j8



    I had a credit card with chase that I opened in 2007. I was an idiot college kid and I fell behind on payments and they eventually closed my account. Eventually I paid the account in full and have been rebuilding my credit. Would it be worth sending a GW letter to them to ask them to remove this info from my credit report? If so, what should I ask for? When I review my report on this site, it has the following info for my Chase account:

    30 Days late - 2 times

    60 days late - 2 times (Nov 2009)

    90+ day late - 2 times (Dec 2009, Oct 2009)

    Any suggestions and help is greatly appreciated. Also, if someone could PM the contact info that would be great.

    DB:2.76:Should I Send A Gw Letter/Email To Chase? j8


    Ah, well good luck. Hopefully they change their mind. From what I've read on here, it seems a lot of people have had success with Chase.

  • RELEVANCY SCORE 2.76

    DB:2.76:Chase And Capital One Gw Contact Info kp



    After about a month of lurking I've finally gotten the courage to send out a few GW letters to try and get some late payments removed. I wanted to know if someone would please be kind enough to inbox me the contact info to send a GW letter. I'm looking for CHASE CREDIT CARD SERVICES and CAPITAL ONE.

    Thanks in advance.

    DB:2.76:Chase And Capital One Gw Contact Info kp


    I too would like the info for these 2 companies! Addresses or emails




    (TU Fico) 11/14 - 687 | (EQ Fico) 10/14 - 652 | (EX Fico) 11/14 - 657Barclays Rewards $1500 | Chase Freedom (AU) $1000 | Amex Green (AU) NPSL | Kays $4000 | Fingerhut $1300 | Walmart $2000 | Best Buy $2000 | Merrick (AU) $1100 | Victoria Secret $2350 | Cap One Secured $750 | PayPal SC $1100 | Quicksilver One $1500 | Home Depot $500 | Express $1700 | JC Penny $4000 | J Crew $8450 | Lowes $12000 | Target $800 | Old Navy $1050 | Buckle $1450 | Macys $100 | Overstock $1550 | Newegg $2000

  • RELEVANCY SCORE 2.76

    DB:2.76:Gw Letter af


    Has anyone had any sucess with a GW letter to Capitol One?

    DB:2.76:Gw Letter af

    Has anyone had any sucess with a GW letter to Capitol One?

  • RELEVANCY SCORE 2.76

    DB:2.76:[Successful] Gw Masterlist p8



    Team,

    I would like to compile a list of success stories and list the account names with contact addresses your attempts with

    GW letters. If you received an approval letter witih written notification of deletion, message me the info and I will remove

    any public names from it and upload it to this list. This will help the community get a one stop shop for great GW ideas.

    Priority Accounts:

    * Chase, BoA, Capital One, Amex and HSBC Best Buy

    * UAC, Captail One Auto and Chase Auto Loans

    Example:

    Collection Account: Zenith / North Star LLC

    Successful Address: 123 Debt Street NY, NY 00123Specific Contact: fakedebtor.com/contactus/list.php // 555.829.2293

    Let me know if you guys think this will work, and if we can get a mod to create a new thread and sticky a nice template.




    533 542 533

    DB:2.76:[Successful] Gw Masterlist p8

    llecs wrote:
    You guys can create the thread...word of note, we can't post names or direct contact info for those names, but you can post general addresses, general e-mails, faxes, phone numbers, etc. If there's a link to the company and that link shows more info like direct contact info, then that link is OK to post too.

    ETA...I too was looking for info like this in my repair days...great idea.

    Probably the main (if not only) reason a thread like this does not exist. Once in a while someone will post that they had a successful GW and will offer the email/address/phone number in PMs to those who want it.




    In My Wallet:AMEX BCE, Citi Forward, Chase FreedomIn My Sockdrawer:AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew

  • RELEVANCY SCORE 2.76

    DB:2.76:Unifund And A Law Firm, Need Advice Asap!!!! af


    Okay, i need advice on my next move. I received a letter from a law firm that is now representing Unifund to collect on a citibank card. They are not suing me....as of yet. I disuputed with the law firm last week and requested a DV. They sent back a letter and 2 old copies of credit card statements dated 6/13/05 and 8/11/05 as their proof of verifying the debt. The letter states that "This matter must be resolved, please contact our office" and it also states "If you have documentation that establishes you do not owe this debt, please forward it to us immediately. I thought they were the one's who had to provide sufficient proof of me actually owning this debt and prove they have a right to collect on it? Also, does copies of credit card statements actually count as proof of a CA owning a debt. What do I do now?

    DB:2.76:Unifund And A Law Firm, Need Advice Asap!!!! af

    You must deal with Unifund or their attorney! It looks to me as if they are setting you up for a lawsuit.This CA....are the licensed in your state? Is this attorney in your state?Looks like your SOL is no where near past.When going to court more then what they sent you is needed. I would advise getting an attorney.In court an attorney will request discovery the other side MUST turn everything over. If this is all that they have your attorney might be able to get the court action dismissed BUT it would be hard for you to do it alone.If they did a hard pull on your CR....send the CA a letter telling them that you did not request credit or employement. They did not have PP acording to federal law. They have 5 days to delete it or you will notify the FTC and turn it over to your attorney!Never sign your name to ANY CA just type it!Never talk to a CA or their attorney.....everything in writing!

  • RELEVANCY SCORE 2.76

    DB:2.76:Chase Gw Denied p8


    I sent chase a good will letter to see if they'd remove anything relating to a paid charge off. They wrote me a letter back indicating they checked out my account and they verified everything to be correct so they can't remove accurate information. They gave me midlands address and told me to try them. I already have. Now what? I sent the chase letter to an executive office. Do I keep sending or give up? I've never done this before. Thanks.

    DB:2.76:Chase Gw Denied p8

    Glad to hear you sent it to the address on the credit report! I'll send mine off tomorrow!Do they know f you paid the collection agency it sold the debt to?

  • RELEVANCY SCORE 2.75

    DB:2.75:To Date, I Have Written A Pfd Letter, Two Gw Letters, And... 7s


    To date, I have written a PFD letter, two GW letters, and battled with AMEX on my DMP. So far, I got the PFD deleted and acknowledgement from BOA they will remove the 30 day lates. Outstanding is one GW from Chase and the battle with AMEX. I am giving AMEX until the end of June then I will visit an attorney and explore my options. This forms Rocks. Thanks for all your help. Also, if I don't get a response to my GW from Chase, I will send another in about three months. When I get AMEX settled, it will cocktail time.

    DB:2.75:To Date, I Have Written A Pfd Letter, Two Gw Letters, And... 7s

    sl wrote:
    Update, I heard from Chase today...standard letter they will not give me any GW. I will call this evening and see if humbling myself on the phone does any good.

    Still no word on AMEX.

    Keep your head up and be persistent.

  • RELEVANCY SCORE 2.75

    DB:2.75:Chase Gw Letter Address 77


    Hi all, I've been a forum stalker for years, and figure it's time to stop being an introvert and ask questions. I'm at the point in my credit repair where I'm starting to test the GW letter waters.I have one major account that affecting my credit worse than others, a Chase CC from 3 years ago that charged off after 2 years of perfect payment history. I have PIF and tried a couple of phone calls to the exec offices, and an email to them as well with no luck.I have a very nicely worded / formatted GW letter all ready to go, and was wondering if someone who has had success or may know of snail mail addresss and different email addy's for Chase could possibly PM me so that I could give this a shot.Thanks all, and I look forward to many more posts on here and to help others in the future.



    Starting Score: 462Current Score: EQ - 622 EX - 659 TU - 677Goal Score: 700Take the myFICO Fitness Challenge

    DB:2.75:Chase Gw Letter Address 77


    bump for January, lol?




    Starting Score: 462Current Score: EQ - 622 EX - 659 TU - 677Goal Score: 700Take the myFICO Fitness Challenge

  • RELEVANCY SCORE 2.75

    DB:2.75:Chase Card Services Gw Contact Info k1



    Hi!

    Does anyone have a good contact for Chase Card Services GW Letter?

    TIA!!

    DB:2.75:Chase Card Services Gw Contact Info k1


    Hi!

    Does anyone have a good contact for Chase Card Services GW Letter?

    TIA!!

  • RELEVANCY SCORE 2.75

    DB:2.75:Gw Letter To Washington Mutual Mortgage Returned!! 3a



    I attempted to send a GW letter to my mortgage company, Washington Mutual. It got returned today as undeliverable as addressed. I sent it to:

    Washington Mutual

    Customer Service Department

    11200 W.Parkland Ave.

    PO Box 3139

    Milwaukee, WI 53201-3139

    Did I send it to the wrong address? Keep in mind that I think Washington Mutual is now Chase. Should I nix sending it to WaMu and send the GW letter to Chase instead and try and get the 30 day late removed?

    Thanks




    10-14-08------ TU-595 EX-623 EQ-584

    DB:2.75:Gw Letter To Washington Mutual Mortgage Returned!! 3a

    Ignore their response and send another. It may take multiples of tries, but you'll get it! Also look for other addresses to use. Don't google, but look in the lit you have from them for additional addresses, faxes, e-mails, etc.

  • RELEVANCY SCORE 2.75

    DB:2.75:Citi Card Gw Letter Success z1


    Sent GW letter to Citi card and had 30 day and 60 day lates successfully removed. They got back to me right away.Sent GW letters to MBNA BofA card and Captial One card about removing lates as well. Anyone have success with BofA MBNA and Capital One?Anyone have success with Chase?Any feedback would be helpful. Thanks.

  • RELEVANCY SCORE 2.75

    DB:2.75:Gw Address For Chase 1x



    Hi all,

    Does anyone have a good address or e-mail address for Chase for a GW letter? I wrote them at the address on my credit card statement, and got back a form letter telling me everything was correct. I have a HELOC with Chase in good standing, and I'm hoping they'll be nice to me and delete the bad credit card.

    Thanks so much for your help! It's taken me a long time to get myself organized to send out these GW letter, and I want to keep going til I get some good results.

    DB:2.75:Gw Address For Chase 1x


    Hi all,

    Does anyone have a good address or e-mail address for Chase for a GW letter? I wrote them at the address on my credit card statement, and got back a form letter telling me everything was correct. I have a HELOC with Chase in good standing, and I'm hoping they'll be nice to me and delete the bad credit card.

    Thanks so much for your help! It's taken me a long time to get myself organized to send out these GW letter, and I want to keep going til I get some good results.