So I sent out several GW letters after reading all the great advice from posts on the community. Yesterday I sent out two GW emails to First Premier, the account was CO in 08 and paid in full. I asked to GW the past due from all three of the credit files from paying in full even when offered a settlement and even asked them to reopen the account. I am hopping they do it will greatly help my credit it is my only major derog. I have two other past due accounts from oct of 08 (30 days late) one response has already told me no (CITI). Waiting on Americredit. Please keep your fingers crossed for me with First Premier it is the biggie! Hopefully they see it as a way to make some money! I will update when I hear a reponse other than the generic email stating it will be read in the order it was recieved….