ghostwriter

No reply yet. I mailed on June 4th, so still very well in the early stages. It's also my understanding the OC (which Nelnet is) isn't obligated to actually send me a response. While they may or may not do anything about it, they don't have to actually owe me any formal response, only CRA's are required to formally respond. I did do a pull on my experian monitoring service, and the 120s were still on there... I highly doubt they'll remove the two 120s with a goodwill letter, but figured it was the place to start. I still can't figure out why it would have triggered them to do a hard-inquiry? or if they have the right to (I'm guessing yes, since I have a open line with them)? M

I recently sent out four goodwill request letters. Three of these were to old credit card or credit-line accounts requesting that some 30-day late payments be removed; there were a couple of 60-day as well. The extreme was for an account I had with Nelnet, a student loan, that is over four years old. I had two 120-day statuses on this account, both of which were more than three years old. I've been paying this account regularly and have always been on time except the issue a few years back. No latter than 10-days after I sent the letter, Nelnet did a hard inquiry on TransUnion? I have no idea why they'd do this... Just seems so odd and unnecessary. I'm not in the spirit to be racking up hard inquires. A few questions: 1) Are they even authorized to do this? 2) What written documentation do they now owe me? 3) Is there any chance of removing the hard inquiry? Any other misc thoughts would be helpful for when I call customer service. A bit of context, in the letter I attributed the late payment periods to when I was in grad school (true) and that I was currently looking to buy a house... I was also very nice and told them I appreciated doing business with them. Thanks.. TTT M

Interesting. I'll look into a secured line. I'm thinking about moving to PenFed CU anyway, I'm sure they'll offer that as an option. As for the parents cards, I'll likely leave them for now. TTT. I appreciate the BUMP! Will document and share my learnings as the come.

TTT? Not sure I follow.. As a side note, I was able to add an HSBC card last night. Not sure what they pulled, but hopefully building up a few additional lines will help.

Just getting started here. Read PsychDoc's intro, other intro docs, FCRA/FDCPA, and browsed through a few handfuls of topics. I was hoping for a few pointers on where to start. My goal is to get some baddies dropped. 1) Good legacy credit from parents A number of years back my parents added me as a card holder under two of their accounts. One of these accounts is still open. They have a meticulous credit history, so I'm guessing leaving these items (and addresses) on my file isn't going to hurt me, although I haven't used/possessed one of their cards in years. Currently there is a Chase card open -- I need to ask them what their utilization ratio is on that card. If it's bad (don't think its > 20-30%), then maybe I correct and remove it. But short-term may not hurt to keep it on my report. 2) Key historic issues of focus: CITI CC Charge-off. I paid it in full, through a CA (no CA's shows on my listings). Dates: 2003-2005. It has a bunch of 120's and KD. Only reports on EX. Approach: FCRA to OC, NUTCASE. BofA/MBNA Credit-Line. Closed account, but I still have $705 balance which I've been paying down monthly. I'm going to pay this off in full this month. Late 120 days on EX. EQ/TU are OK. Dates: 2008-2010. Approach: FCRA to OC, NUTCASE. NELNET Student Loan accounts ( x 2). All OK 2008-2010, but EX has 120 days late for both tradelines that was from some time before 2008. Approach: FCRA NUTCASE. US DEPT of ED Student Loan. Closed and paid (refin to NELNET). 2003-2005. Shows only on TU/EQ. It has 60/90/120 marks on it from one period. Approach: FCRA NUTCASE. 3) Minor issues HSBC CC. Closed All paid in full. 2006-2008. 2 x 30 days late. 1 x 60 days late. EX/EQ/TU all report. Approach: Goodwill. CAP ONE Auto. Closed, paid in full. 2007-Aug2009. 4 x 30 days late. EX/EQ/TU. Approach: Goodwill. ------- I've got a few other closed tradelines, but all OK for the most part. Currently have one CC open (CAP ONE $500 limit). Need to get some other cards and manage my utilization. Any best next steps for a card that has a decent limit - the credit pulls results seem a bit mixed for scores in my range. Further, I need to apartment hunt in three months, my scores suck. They bounced up when I paid my car loan off a few moths back, thankfully. Looking forward to this process and participating on the forums! 2/5/2010: EX 629/ EQ 610 / TU 629 Thanks. Also, I pulled my report from Experian (I was one of those triple advantage suckers). Should I pull from somewhere else in the future?