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Next phase of my rebuild...any advice?

The last post in this topic was posted 1073 days ago. 

 

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The last active baddie on my reports was deleted from EQ this week, so now *all* I've got left are a bunch of lates from 2011-2013 on closed accounts. My scores are decent now, so I view the old lates as a lesser priority, but I still want to try to get them off before they fall off on their own. Here's what I'm facing, along with my GW efforts to date since I started my rebuild in 2015.

  • USAA Amex: 2x30 DL in 2013. Sent 3 GW letters from 2015-2016, denial on the first two and no response on the third
  • USAA loan: 8x30, 1x60 day late, 6 of the 30s in 2012, the rest in 2013. Sent 3-4 GWs in 2015-2016, denied each time
  • Wells Fargo/Mattress Firm: 1x30, 1x60 DL in 2011. Sent 1 GW in 2016 that resulted in a dispute flag and no response, sent another in February 2017 that resulted in no response
  • CareCredit: 3x30 and 1x60 DL in 2013. Sent 1 GW in 2016 and 1 in February 2017, both resulted in no response.
  • Kohls: 7x30, 3x60, 3x90, 1x120 DL in 2012 and 2013. Sent 4 (I think it was 4) GWs from 2015-2016, all of them were shot down. Funnily enough, they were all shot down by the same person in their EO, and she included a copy of her previous denials in each consecutive denial letter. Troll level: 1000.
  • FedLoan Servicing: A metric f-ton of 60-180 DL in 2013 across 11 different accounts. Really long story, but the short story is that they applied a retroactive forebearance but refuse to mark them as current during the forebearance period. I've sent GWs, disputes, 623(a)(2) disputes, and CFPB complaints about it in 2015-2016, very firm denials from them so far
  • Synchrony/Amazon: 5x30, 3x60, 1x90, 1x120 DL from 2012-2013. I sent 2 GWs in 2016, both denied, and 1 unanswered GW in February 2017
  • Synchrony/PayPal: 1x30 DL in 2013. Sent 2 GWs in 2015, denied on the first, no response on the second

All of those accounts are closed, paid as agreed.

 

Here's my planned approach:

  • Everything except FedLoan Servicing: Resume GW campaign, start sending them out once a month until they give up out of sheer frustration with me and grant the GW adjustment, or the items fall off on their own
  • FedLoan Servicing: After talking to a consumer finance lawyer last year, he thinks a civil suit is the way to go with this, especially with the FTC's Harris advisory opinion. I don't have the resources at the moment to throw at a civil suit, so I'm looking into a small claims suit. It's by far the worst of the baddies on my report, since between the 11 trade lines, that's a solid 60+ late payments on each bureau

Any tips or advice on the general game plan or specific items?

 

Current FICO 08 scores as of 11/15/17: EX-733, TU-729, EQ-713

Edited by habu987

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Surprised that you have scores in 700 with so many lates across so many accounts. Sorry I don’t have any advice.

My credit's been perfect since January 2014, so I'm sure that's helped. I've also opened a good number of accounts over the years and have ~$95k of available credit with $200 reporting, so I've maxed out the current scoring aspect of the FICO algorithm.

Edited by habu987

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Well, being new here I can only offer advice on what I just did. Last week I had one 30 day late from Sync/Amazon removed. I sent one email and received a call back and they removed it. Granted, your Amazon account is in much worse shape, but I don't see why you couldn't try the PayPal account first. Try and see if you can get the one removed. If you succeed with that then try the Amazon. Maybe try them all at once. I don't know the best route, but I know they will remove since I just had success. Good luck

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Surprised that you have scores in 700 with so many lates across so many accounts. Sorry I don’t have any advice.

My credit's been perfect since January 2014, so I'm sure that's helped. I've also opened a good number of accounts over the years and have ~$95k of available credit with $200 reporting, so I've maxed out the current scoring aspect of the FICO algorithm.
Even if you are not able to remove derogatories, scores in 700s should be Ok.

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Well, being new here I can only offer advice on what I just did. Last week I had one 30 day late from Sync/Amazon removed. I sent one email and received a call back and they removed it. Granted, your Amazon account is in much worse shape, but I don't see why you couldn't try the PayPal account first. Try and see if you can get the one removed. If you succeed with that then try the Amazon. Maybe try them all at once. I don't know the best route, but I know they will remove since I just had success. Good luck

I'll definitely try GW with Sync/Amazon again--I wasn't burned by them after it was closed in 2013 and was able to open a new Sync/Amazon card in late 2016.

 

Could you PM me the email you used? Thanks!

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