I think I'm ready to dive in. Here's my thinking. I've got A Wells Fargo account that was charged off and is reporting as a paid charge off account paid or sold, last activity was 9/97 it was a car loan/installment loan, still debating on how to handle that one and I also have a Goodyear/cbusa NA account that I have had some dels on as recent as 6/03,01/03 and 10/02 plannaing on the goodwill letter there but what if any advice can anyone give oh yeah the goodyear account has since been paid in full.
Did you pay it? If so, write Wells Fargo Exec Office for a Goodwill Adjustment. If they deny it, you can try Nutcase or just leave it alone for another year. It will fall off in Sep 2004. I would wait a while and demonstrate good payment history, since your most recent late was 6/2003. You need to show them that you can pay on time for at least 6 months before asking for a Goodwill adjustment. They want to know that these late payments are the exception, not the norm. When you do the Goodwill request for Citi USA, go to www.planetfeedback.com and write to "Citibank, NA". It will get the Corporate Office, which handles both divisions. Given PsychDoc's warning - all that I advise is unprofessionally given. I am not a credit repair agency. I am not a credit wench. But I am a neurotic. And it's Doc's fault.
