This might seem vague, but what do lenders value more…your score or the items on your report? For example, a general mortgate rule of thumb has been 620. Are they looking only at your score, or can they find a score of 650 and see something in your report that disqualifies you? What about other lenders like credit cards, landlords, etc…I’m just curious and really trying to figure things out.Â
In the last week I have sent out about 25 GW letters requesting the deletion of late payments on various accounts. Now I’m playing the waiting game and I’m curious when other success stories have seen the deletions. I know some people have never received a response at all, but the late was still deleted. So generally, if successful, is there a general timeframe of when the deletion will probably happen? Is it possible to see something within days, weeks, months, etc? Basically, should I stop obsessively checking my credit report every day? haha 