counselor4kids Posted July 4, 2003 Report Share Posted July 4, 2003 I am curious about who has sent goodwill letters about late payments to what companies-are there any that seem to give in more than others? Are there some that say no regardless? Link to comment Share on other sites More sharing options...
Petunia Posted July 4, 2003 Report Share Posted July 4, 2003 Verizon VISA deleted my lates. Link to comment Share on other sites More sharing options...
morrow Posted July 4, 2003 Report Share Posted July 4, 2003 SEARS worked for me......took about 3 or 4 tries, but eventually they came through! Link to comment Share on other sites More sharing options...
C Whitney Posted July 4, 2003 Report Share Posted July 4, 2003 CrossCountry Bank was great! Removed lates and sent me a nice letter too Capital One and FCNB have been awful, I write and write and they say no no no! :( This last time I used the FCBA because the payments were late because I moved last year and I wasn't receiving my statements. I hope it works! Link to comment Share on other sites More sharing options...
creditfix Posted July 5, 2003 Report Share Posted July 5, 2003 Robinson's May Department Stores deleted our lates. They would have fallen off this month and now it is reported as PAID/NEVER LATE and will be on our CRs until 2012! Link to comment Share on other sites More sharing options...
laura66 Posted July 5, 2003 Report Share Posted July 5, 2003 I sent Cap1 a goodwill through Planet Feedback, and although the man who called me gave me the story of "we have to report accurate information, it is no longer showing up! Link to comment Share on other sites More sharing options...
BrassFan Posted July 7, 2003 Report Share Posted July 7, 2003 This is a great idea for a thread....How's about we also list what we had, what we asked for, and what we got.Capital One---Several late payments (about 5 over two years), asked for them to be removed..got membership fee waived for a year, and some late fees reversed.Best Buy/Household Bank--Three late payments over the last year, account closed by credit grantor...asked for late pays to be removed, and status changed to "closed by consumer." Got lates all removed, account reopened, and late fees waived.Sears--Paid charge off, asked for it to be changed to paid as agreed/never late/closed by consumer. Got letter stating that they would update the credit bureaus. They reported this month, and it's still the same. Sent a second letter, enclosed a copy of their letter, and asked them to update it, and send me a copy of the UDF. Link to comment Share on other sites More sharing options...
tarheel99 Posted July 7, 2003 Report Share Posted July 7, 2003 Through PFB:CitiFinancial - had two late payments in 1997 (one 30/one 60), asked for them late pays to be removed .. got a letter saying they couldn't find an accout for me. TL was deleted from TU, expect the same to happen on EX. Link to comment Share on other sites More sharing options...
tog404 Posted July 7, 2003 Report Share Posted July 7, 2003 any one had luck with first premier. sent gw letter they sent letter saying to dispute with cra. wtf Link to comment Share on other sites More sharing options...
fixingwhatbroke Posted July 7, 2003 Report Share Posted July 7, 2003 Household bank: asked for a 30 day late to be removed ( it actually was their fault) the told me basicly to go *&^%& myself! Then sent a letter through PFB and they never responded.Ford Motor Credit: Asked that they re-insert my 2 car loans through them back into my CR's after 5 e-mails back and forth they said not only no but hell no and stop asking us. Your account info has been purged from our data base! They wouldn't even entertain the idea of letting me fax my cr's that had the accounts listed on it so they had the info to reinsert.Direct Loan servicing center (student loans) " We have received your request to remove negative credit data information from your Direct Loan account. and notified our credit bureaus to do so. We have also updated the information on your account to reflect these changes. We are glad to be of service in this matter. Please let us kow if you should have other questions or comments about your account. Simply give us a call at one of the numbers listed at the William D. Ford Loan Servicing Center on the reverse side." That was a shocker! of all the places I sent goodwill letters to, this was not one that I thought would actually do something allthough I have yet to see any changes. It has only been about 5 days, suppose I should be patient!Crapital One: I still owe them money and they offered me a new card with a lower annual fee ($29.99), lower overlimit\late fees ($20.00) a higher credit limit and removal of all derogs if I paid the balance owed by 7\28\03. They even sent me a letter stating everything they told me over the phone. I still haven't decided if I'm going to fall for it! My luck I'll pay them and they will sue me or something. LOL ~0 ~0 Providian: Got the entire acount changed from a CO\Included in BK to no lates and Paid as Agreed!!!! From completely negative to completely positive and it only took one letter! Wish I had better luck with hte others! (@) (@) (@) Link to comment Share on other sites More sharing options...
ADSOFT Posted July 7, 2003 Report Share Posted July 7, 2003 Has anybody used a health problem as a reason that they fell behind??? Link to comment Share on other sites More sharing options...
ericasf Posted July 7, 2003 Report Share Posted July 7, 2003 For me, I have actually had a good deal of success with GW letters. Lord & Taylor - bf had lates on his open account with them. they removed the lates. totally positive account now.Cap One - had a really old charge off account that still had a balance on it. told them that it was too old and should be deleted. was deleted.Household Automotive - wrote them and asked them to delete my late payment history. they did. perfect auto account now.Americredit - asked them to delete unauthorized inquiries. they did.There are more but need to research my notes. I'll add more as I get them. Link to comment Share on other sites More sharing options...
vonniegirl2 Posted July 7, 2003 Report Share Posted July 7, 2003 <blockquote>Originally posted by ADSOFTHas anybody used a health problem as a reason that they fell behind???</blockquote>Used a previous knee surgery with JC PENNEY and failed business venture. They sent a letter stated they would notify all 3 cra to remove any and all negative information and report paid as agreed. I had one 30-day late payment...it was removed. When I checked my Equifax credit watch it was actually 4 lates. Went from an R2 to R1 .Sent a similar letter to Capital One no response Link to comment Share on other sites More sharing options...
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