 Macys Department Stores |
XXXXXXXXX | 9/2005 | $0 | Payment after charge off/collection |  Â |
|
| Bloomingdales Department |
XXXXXXXXX | 9/2005 | $0 | Paid or paying as agreed | |
|
| Â Credit Union |
XXXXXXXXXXXX | 12/2008 | $2,032 | Paid or paying as agreed | No | |
| Hsbc Bank |
XXXXXXXXXXXX | 8/2003 | $0 | Charged off as bad debt | |
|
| Chase Bnk-Frmly Prvd/Wam |
XXXXXXXXXX | 6/2000 | $0 | Charged off as bad debt | |
|
| Capital One Bank Usa Na |
XXXXXXXXXXXX | 1/2001 | $0 | Payment after charge off/collection | |
|
| Capital One Bank Usa Na |
XXXXXXXXXXXX | 3/2002 | $0 | Payment after charge off/collection | |
|
| Â Fcu | XXXXXXXXX0002 | 6/2008 | $0 | Paid or paying as agreed | No | |
 Santander Consumer Usa |
XXXXXXXXXXXXX1000 | 7/2009 | $13,444 | Paid or paying as agreed | No | |
| Â Fcu |
XXXXXXXXX0001 | 7/2008 | $0 | Paid or paying as agreed | No | |
| Wfs/Wachovia Dealer Serv |
XXXXXXXX2102 | 3/2005 | $0 | Paid or paying as agreed | No | |
| Americredit |
XXXXX9653 | 4/2002 | $0 | Paid or paying as agreed | No |
Heres my situation, last year about this time my credit scores were about 530-550 from each cb. I got an autoloan from wachovia dealer services at 18.9% apr for 301.09 a month. I have paid that on time every month since Dec. of 2008. I have 5 credit cards from various low credit limit high apr/fees companys (credit 1, first premier etc) all of my balances are pretty high 75% or so except for one of them. I am going to have about 3000 dollars to spend from my tax refund and I want to maximize my credit score (which now sits at about 610-630) what would be the best way to do this? I would love to refinance my car but I dont know who would take my LTV ratio. I have a 2006 pontiac g6 worth 8500 or so KBB private party good condition and my loan payoff is 10500. any info and advice would be greatly appreciated, I am new at all this.
Feb 192010
Hey guys..
Â
 How should DV (debt validation) letters and GW (good will) letters be mail? regular first class or should they be certified mail?
Â
Â
Â
Below is a copy of my Good Will letter that I wrote on my own. Please tell me what you think of it.
Â
Â
Â
Date: 02/19/2010
Â
Regarding Account No. xxxxxxxxxxxxx
Â
WFS / WACHOVIA DEALER SVS
P.O. BOX 1697
WINTERVILLE, NC 28590
Â
Â
Â
To Whom It May Concern:
Â
I am writing a letter about my experience with WFS / Wachovia Dealer Svs. This is grateful “thank-you” and request concerning negative information regarding a past account (auto loan) that I had with WFS / Wachovia Dealer Svs.
Â
I recently received a copy of all three of my credit reports (EQUIFAX, EXPERIAN, & TRANSUNION). I noticed on each of these reports, that the above account has filed negative information, stating that I was 30 days past due on this account 7 times, within the past 48 months of payment history stated on the credit reports.
Â
Honestly I do not remember being late 7 time’s. I do know that during the times listed on my reports, that my wife and I were having some tough times, due to job loss and a couple other personal issues. Therefore, these statements on the reports could very well be true.
Â
I do know that the car we purchased from the money WFS / Wachovia Dealer Svs loaned us has been paid in full, and with a few exceptions… my payment history has been very credible with WFS / Wachovia Dealer Svs. We also still own the car that we purchased with this loan.
Â
I am not writing this letter to contest the negative information that has been applied to my credit reports, by WFS / Wachovia Dealer Svs. I am just asking WFS / Wachovia Dealer Svs to please consider removing the negative past due payments from my credit reports.
Â
Unfortunately we all have hard times / chaotic situations that occur from time to time. Thank you very much for taking the time to read my letter. I hope you will consider my request. It was a pleasure doing business with you. I would look forward to doing business with you again. Thank you!
Â
Â
Sincerely,
Â
My Name (ADDRESS BELOW)
XXXX XXXXXXXXXX XXX.
XXXXXXXXXX, XX XXXXX
Â
Â
Â
Â
Message Edited by bmull on 02-19-2010 06:43 PM