denise91901 Posted March 15, 2007 Report Share Posted March 15, 2007 Does anyone have a goodwill letter? Thank you Denise Link to comment Share on other sites More sharing options...
chilton1 Posted March 15, 2007 Report Share Posted March 15, 2007 do a search for "goodwill"I did the search http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=260222&highlight=goodwill Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 16, 2007 Report Share Posted March 16, 2007 http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=264049http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263917 Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted March 16, 2007 Report Share Posted March 16, 2007 Goodwill letters do best when they come from the heart. Layered with sap. Lots of sap. Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 16, 2007 Report Share Posted March 16, 2007 I second SAWoman's advice. Sap, sap and more sap. If it's honest sap, great. If not, then at least make it believable sap.If it's honest, and personal, then the words will generally flow out easier. Also will come across as more genuine, because it is.Try to think of it as confessing your sins, but this is a "Delete from CRA" card and not a "Stay Outta H*ll" card. Link to comment Share on other sites More sharing options...
StuckInTheMiddle Posted March 25, 2007 Report Share Posted March 25, 2007 Stupid question i know, but should it be sent certified, return receipt?Certified, return receipt seems kind of not very goodwill'ish does it?Thanks! Link to comment Share on other sites More sharing options...
hiblues Posted March 26, 2007 Report Share Posted March 26, 2007 I did a goodwill letter, it worked for me, I ended up with a PFD.I just sent it regular post, 39 cents, (no DC and no PP)in fact I've never sent any letter CRR,(even though so many recommend that) the most I have done is Priority Post (PP) with a Delivery Confirmation.(DC)I look at it like this....the way you communicate is all in the delivery (no pun intended)If you come charging at someone,the natural response is to charge back.( I think a CRR letter is like charging at someone)PP-DC gets you the result (confirmation that it was delivered) without all the posturing.JM2C's Link to comment Share on other sites More sharing options...
sjokinley Posted March 26, 2007 Report Share Posted March 26, 2007 I had a similar question. Wouldn't just certified with the delivery confirmation you get online be just as good as RRR?And yes, I think CMRRR or even just CM would look bad on a goodwill. Link to comment Share on other sites More sharing options...
StuckInTheMiddle Posted March 26, 2007 Report Share Posted March 26, 2007 Thanks guysI think I'm gonna send it without any confirmation this time around and if i get no response I'll just try the delivery confirmation like you suggested one more time. Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 26, 2007 Report Share Posted March 26, 2007 Absolutely do NOT, I repeat do NOT, send a goodwill letter CMRRR. Don't send it CM only. Don't send it RRR.Send it First Class, 39 cent, USPS, regular ol' mail.If it's CMRRR, they might perhaps wonder, "Is this freak trying to establish a paper trail to sue us?"Also don't call and ask about goodwill. Goodwill is something of an oddball thing. It can catch an OC off guard, and that's good. Probably gets bounced between at least 2 and probably 3 people before the decision is made.If they are not sure how to react, they might think, "WTF, he don't owe us any money. Guy's probably smoking something. Delete the TL so he doesn't sue us."Some more savvy OCs probably react:"Got another CIC member requesting goodwill, Bob.""When is the DOFD?""5 years ago.""When is the last time we did a soft pull of his CRs?""18 months ago. FICOs in the high 500s at that time.""Give it to him. He sounds about ready to run up some debt and make us some money." Link to comment Share on other sites More sharing options...
StuckInTheMiddle Posted March 26, 2007 Report Share Posted March 26, 2007 We had considered re-opening the account with them ... just to give us a bigger credit line (only card we have now is $2400 and in perfect standing).the lates were 2/03 (30 days), 4/03 (30 days) and 5/03 (60 days) paid in full by 9/04.btw it is b of a. Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 26, 2007 Report Share Posted March 26, 2007 BOA might not be as generous with goodwill as is Chase, but they are both behemoth banks so results may be similar.I had good luck goodwilling away 3 Chase accounts. One had lates up to 120 days, second was settled for less than the full amount, and the third was late up to 90 days but PIF in January '06.Your BOA account sounds to be an even better goodwill candidate than were mine. Link to comment Share on other sites More sharing options...
sjokinley Posted March 26, 2007 Report Share Posted March 26, 2007 When I was asking if CM with online delivery confirmation wasn't just as good as CMRRR I wasn't asking about goodwill letters. I was asking about everything we do want proof of delivery on. Wouldn't certified w/delivery conf. be just as good and cheaper? We can print del. conf. off USPS. Link to comment Share on other sites More sharing options...
StuckInTheMiddle Posted March 26, 2007 Report Share Posted March 26, 2007 IMHO no.If you are disputing an item you want the signed return receipt, I could be wrong but it becomes a battle of technicalities... whoever keeps the best possible record wins.I'm super-anal and I record all phone calls (one-party-consent here), take notes on the phone calls and follow up in writing with the transcript via fax. They don't have to know the call was recorded, just that I take bitchin notes . If i send a letter, first I fax it to 'such-and-such' dispute department' then send the original with a copy of the 'sent' fax cover via certified/signed return receipt. But I'm in a particularly ugly battle right now and CYA seems to be the name of the game. This is my personal guideline:If the item in dispute seems to be an honest error, CM should be fine.If the item in dispute is a possible identity theft issue, CMRRR is a must.If the item in dispute is settlement offer, best to send CMRRR.If its a goodwill letter like someone said... best to be completely non-confrontational.If anyone else has any dif 'rules' I'd like to hear them.Again, CIC are my heroes! Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 26, 2007 Report Share Posted March 26, 2007 When I was asking if CM with online delivery confirmation wasn't just as good as CMRRR I wasn't asking about goodwill letters. I was asking about everything we do want proof of delivery on. Wouldn't certified w/delivery conf. be just as good and cheaper? We can print del. conf. off USPS.My bad. I misread.I looked into Delivery Confirmation as an alternative to CMRRR, but it's not available on First Class Mail--only parcels and Priority Mail. Priority Mail starts at $4.05, DC is another 50 cents and RRR is another $1.85First class mail CMRRR is $4.64You can get Email delivery of the RRR card which is $1.35 rather than $1.85 and save 50 cents.However, I would be cautious. Judges are used to seeing CM receipts and RRR cards. Introducing something new, however valid it may be, could be a minor monkey in the works should the issue have to go to court. Link to comment Share on other sites More sharing options...
StuckInTheMiddle Posted March 26, 2007 Report Share Posted March 26, 2007 Again with being so anal myself...I write the USPS CMRRR # on EVERY SINGLE PAGE that I send.Its only paranoia if they AREN'T out to get you. Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 26, 2007 Report Share Posted March 26, 2007 I do the same thing. CM # on the pages.- CM receipt- RRR green card- Paper receipt from USPS at the time of purchase has the CM # on it- Photocopy of my signed letter showing the CM #Paranoia is simply total awareness. Link to comment Share on other sites More sharing options...
sjokinley Posted March 26, 2007 Report Share Posted March 26, 2007 See, I truly do learn something everyday! Since I got all the blank forms from USPS to save time at the P.O., I will start adding the CM# to every letter. Thanks again! Link to comment Share on other sites More sharing options...
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