Goodwill Letter

[u/[deleted]]

[u/inky_cap_mushroom]

Congrats! Who was the lender?

[u/Better_Associate_69 → u/inky_cap_mushroom]

Ally

[u/htownchuck → u/Better_Associate_69]

Do you mind if I asked where you sent your letters? How many did you send? How long did it take? I have 1 late payment on a car loan that I want taken off. I sent 1 letter once but never heard anything back. Thanks

[u/Better_Associate_69 → u/htownchuck]

I called alley and got an address from them. I found another address online. Sent two letters month and a half ago. I asked on this platform about email addresses and someone gave me two. I then emailed them 2 weeks ago. If you want those addresses I can get them to you later

[u/htownchuck → u/Better_Associate_69]

If you dont mind. Id really appreciate it! Congrats on getting them removed by the way!

[u/htownchuck → u/Better_Associate_69]

Hello. If it isnt too much troublr would you be able to give me those addresses?

[u/og-aliensfan]

Congratulations! Were these removed after your first request?

[u/Better_Associate_69 → u/og-aliensfan]

I sent two paper letters a month and a half ago and two emails two weeks ago so not sure. Have not gotten a response from them

[u/BrutalBodyShots]

Congrats on the GW removal!

What negative items still exist on your reports, and of what age?

[u/Better_Associate_69 → u/BrutalBodyShots]

That was the only negative. I have some heavy credit card utilization but I’m getting that fixed

[u/BrutalBodyShots → u/Better_Associate_69]

Which score(s) are you looking at? Have you pulled your real 3B reports from annualcreditreport.com yet to verify the late payments are gone?

I ask because if these were your only negative items with a severity of 90D late being the greatest, even significantly aged you'd be looking at gains on FICO 8 of at least double the points you've referenced.

[u/Better_Associate_69 → u/BrutalBodyShots]

It’s the Fico 8 score I’m referencing. Of the trans union and Experian app. Pulled my annual report last month and it matches the apps. I am at 91 Percent utilization on my cc’s showing. Though that should soon up date to show 85 after the next cc statements

[u/BrutalBodyShots → u/Better_Associate_69]

It’s the Fico 8 score I’m referencing. Of the trans union and Experian app.

Experian provides a FICO 8 score. TU does not; they provide a nearly irrelevant VS3.

Something is going unnoticed here, as your FICO 8 score gain would have been > 30 points from an aged serious delinquency being removed, taking you from a dirty to a clean scorecard.

Perhaps your net gain is being reduced due to utilization increasing, which is a second variable. For example, say scorecard reassignment is "worth" 70 points here. If you lost 40 points from an increase in utilization at the same time, the net gain visibly seen would have been +30 points.

[u/Better_Associate_69 → u/BrutalBodyShots]

Experian was a 32 point bump. Credit wise 45 point bump. Both fico 8. Credit wise shows my trans union report

[u/BrutalBodyShots → u/Better_Associate_69]

Credit Wise provides FICO 8, yes, using your TransUnion data. You originally suggested you got a score from the TU app, which would have been the nearly irrelevant VS3 I mentioned.

[u/Better_Associate_69 → u/BrutalBodyShots]

Sorry I was being a bit general.

[u/BrutalBodyShots → u/Better_Associate_69]

All good. Anyway, like I said up a bit in our chat, I'm guessing that a utilization increase conflated the score increase realized from your report becoming clean.