Need Advice: Call or Write

Hello All,

 

I need some advice on how to proceed with  contacting two Creditors about deleting some 30 days & 60 Day late pays from my CR( all of which happened in Oct & Aug 09).  I want to apply for a mortgage in the next few months.  I’ve had some credit issues in the past obviously and I’m desperately trying to get to 620 in order to apply for a mortgage.  My current score is EQ:560.  I also will need to pay down some of my credit cards in order to increase my score.  This won’t be a problem to do within the next 60 days.

 

My question is should I call the creditors regarding getting a good will deletion or should I write them letters?  One of the creditors is Orchard Bank/HSBC and the other is my Student loan company.  What would you suggest?  Thanks in advance for your replies and advice.

 

AJ

• orchard bank we are not accepting credit line increase