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Found 2 results

  1. I have been reading posts here on GW letters and hope someone has a good POC or recommended department at USBank Home Mortgage to submit a GW letter. I had to do a loan mod a few years ago and as a result incurred some 30/60/120 days late on my CR. I have since re-financed with USBank Home Mortgage but would like to clean up the lay payments history on my CR. Any help or information is appreciated! Thanks in advance.
  2. I had a Capital one charge off in 2010 and it was sold to Portfolio Recovery Services recently (resulted into nearly a 20pt drop in my score since they are reporting, too) The SoL for this account is (I believe) in about 4 months . I am in Florida, and the last payment on the account was 06/2010. If the SoL is actually 5 years instead of 4, then I have another year left ;\ I do want to try PFD with Portfolio, but I don't want to risk getting sued and rocking the boat anymore. They call once every few days and I don't respond. I have received nothing in the mail. The amount owed is $988, and I really can't afford to pay in full. I know I have a better chance of PFD once the SoL has passed. Would you all advise me to ignore them in the mean time? So, I plan on doing a PFD after the SoL has passed. I also want to try sending a goodwill letter to Capital One seeing if they will remove any sort of negative marks on my report. (I have heard most people get denied, but I'd like to try anyway) My main question is, if I write Cap1 a goodwill letter, would they know whether or not I paid off my debts to the credit agency? Would they even care? My letter will state that I paid these debts, which isn't a lie because I *will*, but I'm not sure it'll be paid before or after Cap One reads/sees my letter. Hopefully this made sense, lol. Thanks for any help!
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