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  1. Hi guys. I would like to send a goowill letter to Nelnet for some lates I had in the past. Would anybody happen to have had success in the past, and/or would know who to send a letter or email to? Thanks in advance!
  2. Hello friends. I'm so glad to be here! Thanks for having me. My Creditkarma score is 555. I know that's not FICO, but it's going to be terrible regardless. I'm 28. So my credit right now is a mess. I've dabbled in trying to fix it, but I really want to make some serious progress now. I'll try to be succinct yet thorough. Credit utilization, payment history, age of credit history, and credit inquiries receive "A" marks on the report card thing. Total accounts (3 accounts) is D. Derogatory remarks (1 + 1 in collection) is B. Overall grade is F, obviously. The following 5 are my baddies. 3
  3. So I've emailed my credit union's CB disputes department several times trying to get them to remove a few late payments from my credit card and auto loan. The first time I tried about a year ago or so they said they would do it, but then I saw it pop up on my EX file. I had a few lates from earlier this year that I've been trying to get them to remove. I said something to the effect of being a member for five years, been current otherwise and that I was able to pay off the loan and CC. Now they just keep saying that they can't remove them because they are reporting correctly. If I escalate
  4. My DW emailed the Citibank CEO asking for a goodwill deletion. They called her to get account info, then responded by letter a few days later that stated in part: Do you think hey misunderstood our request? We are asking for deletion from the Credit Bureaus, not from their own internal records.
  5. Hello, I have been dreaming of good credit and having a 730 since I've been little. I was in the process when I turned 18 and I got my first secured card courtesy of Capital One. I would pay it off every month. Then months later I applied for discover and a regular capone credit card and approved by both. I was paying my cards and then I lost a job and ended up moving to another state I for 4 months on my discover and 3 months on my Capone cards. As Soon as I got a job I paid off my two capone cards and Theb I paid my Discover card they reopend it for me and everything. I talked to capone toda
  6. So I am back from boot Camp and stationed in Japan and during the time I was securing a new auto loan for my wife I missed two payments on our existing auto loan and are trying to buy a house so Im hoping this goodwill letter will remove the two lates that are the only two I have had out of the almost 3 years I've had the auto loan which is now paid off in full! Please any comments will be beneficial. THANK YOU CB FOR THE TEMPLATES! August 18, 2014 Regarding: Account No. XXXXX Hughes Federal Credit Union ATTN : Collections Department 951 E. Hermans Rd Tucson, AZ 85706 To Wh
  7. Had a 60 day late 2 years ago on my chase card, sent a goodwill letter, and they came back with cold denial based on 'accurate information was reported' remark. Below is my response. I plan to mail monday, let me know your thoughts. Hopefully not too harsh for it's own good. 8-22-2014 Regarding: Account No. Cardmember Service PO Box 15153 Wilmington DE 19886-5153 To XXXXXXXXXXXX: Thank you for your response to my inquiry dated 8-2-2014 regarding the above referenced account. I have considerable respect for your company and not only the reputable name Chase has created for
  8. Does anyone have a good contact email or mailing address for Walmart credit card/GE/Synchrony, to send a goodwill request? I've searched the boards but haven't found anything. Thank you!
  9. Hello everybody! I have a credit card from Fifth Third Bank that was charged off in Dec. 2010. They sold the debt to Jefferson Capital systems in Nov. 2013 and are now reporting a $0 balance. Jefferson just contacted me at the end of May 2014 with their first letter to which i had 30 days to pay or ask for validation. I sent them a DV letter and its been about 35 days and no reply. They did change what they were reporting on my credit report to in dispute though. So now I have a couple questions. How long does it usually take them to respond? Is there anything i can do in the meanti
  10. Last week I called Capital Bank regarding my one and only late payment with them, a 30-day late from 6/11. The very nice woman told me she'd check with her supervisor and I didn't hear anything back. So I decided to give it another try today. Called and spoke to a woman who responded with that whole BS line about how the FCRA required them to post all activity whether it was positive or negative, yada, yada, yada. She wouldn't even speak to her supervisor and gave me the address for disputes. I was pretty bummed after the conversation. And if it weren't for CB I probably would have sto
  11. Sorry there is a lot of information below. I had some great success here cleaning up my credit, but every case is different, and I was still sort of at a loss when a friend asked me for advice. These are the 7 baddies on her credit report from TU. She ran into some financial trouble in 2007, closed all her cards, and used one of those credit counseling agencies to negotiate paybacks. Other than one of the GECRBs, it looks like everything got paid in full. She has one GECRB store card now, so not blacklisted or anything. Her file is pretty thin, mostly less than two years old, and only
  12. Hello All, After reading (Why Chat), and reading(Psyc Doc), and reading... I am still confused as to HOW to attack recent lates. I am hoping (Please show mercy!) that you all can help point me in the right direction. I have three cards with Comenity. All three went late at the end of last year/ beginning of this year because of unexpected medical expences that could not be avoided... I have made things right by paying down/catching up on payments. I am now current on these accounts, however the lates are glaring on my report. The three cards are listed as below: Victorias Secret
  13. Does anybody have any good contact information for EAS? I've attempted everything with this company to remove 2 negative tradelines listed on my Experian CR for the same Comcast account. This is a paid collection. Disputes with the CRA have come back verified.. Contact with the CA has gone unanswered.. Attempts with the OC have been unsuccessful, as well as the BBB. It's been suggested that I try a GW letter. I've had difficulty finding any contacts.. If you know of anyone that I could address my letter to, please let me know! Thanks.
  14. Hello, new here. Like many others I am realizing I should have come here a long time ago. Anyway, I have few questions/concerns. Current score: 633 I've read a lot about removing items from your credit report on this site. I have also read about the possibility of sending a letter of goodwill to have certain items removed. In my case, it involves an auto loan with Capitol One. I was 30/60/90 on the very last payment of the loan back in 2010. I talked to a rep there who gave me the fax number of the CBR and gave me a few pointers on what to write (It has a great impact on my credit, I w
  15. Hello everyone, I am a newbie, but I have been reading the forums, and I decided to try and goodwill two consecutive 30-day lates with Discover. I emailed the CEO and another Exec the first time, and got a call with the usual "we have to report, can't change, blah blah blah." I waited a month and sent another pair of emails. This time, I got a call...the woman (in an annoyed voice) said "This letter was the same one I received from you in November, right?" And then re-iterated what she said last time. It wasn't the exact same letter, but, obviously, the content was simi
  16. First post here. Had some good luck with a capital one CSR today. Sorry for the excitement towards the end, I really wanted to show my appreciation to the CSR and this is my first attempt at removing negative marks on my credit score. My question is, does this guarantee the late payments will be removed? And if they are in fact removed, will it take the full 60-90 days. Thanks!
  17. Hi All First time poster, long time lurker. I sent pre hipaa letters to Transunion and Equifax (the accounts aren't on EX) for 5 of my 12 medical collections. I received a letter from TU THE NEXT WEEK saying that they are all removed. Still waiting on EQ. I didn't want to send too many at once, so I'm going to wait 60 days and send TU another pre hipaa for the rest. Anyone see potential issues with that? I've read a lot, but I want to make sure I didn't miss anything. I also have some paid charge offs that I sent goodwill emails for yesterday: Chase, Credit One, and Capital One. I've
  18. I just wanted to share my Goodwill success story with you all. I had a few late payments back in 2007 which resulted in NY&co Comenity bank suspending my credit line. I did pay them off in full. The account has been open since then, but they never gave me back my credit line. I wrote them a goodwill letter for those lates in 2007, and guess what?? Two weeks later they removed them!! Now I'm going to really push my luck and ask them for my credit line back. Wish me good luck!
  19. Good morning. I've never worked on a student loan item before, so please forgive my ignorance. I have a US Dep of Ed reporting as follows: TU: Closed; $0 balance; Educational; Pays Status Current; Past Due $0; High Bal $1389; Opened 1/6/2007; Reported 3/31/2011 EX: Closed; $0 balance; Educational; Pays Status Current; Past Due $0; High Bal $1389; Opened 1/1/2007; Reported 5/31/2011 EQ: Closed; $0 balance; Educational; Pays Status Current; Past Due $0; High Bal $1389; Opened 1/1/2007; Reported 5/01/2011 History of lates: 60 days x4; 90 days x 9 (earliest in Jan 2009); notati
  20. Wrote Georgia Power a Goodwill PFD asking if the account could be deleted upon payment in full (balance was only $101) ... they wrote back stating that they would do so if payment was received by the 29th of this month and also stated they report on the last day of each month and to give up to 15 days for deletion to reflect on reports. Searched the threads to see someone else successfully was able to get a paid accoutn deleted as well. Im not going to push the signature route on this one.. I'll chime back in to inform of the account in fact being deleted but this is DEFINITELY more progre
  21. The lone collection I am fighting is with Cavalry, for an old GECRB/Old Navy account. I sent a goodwill letter to GECRB in June, explaining the terrible financial hardship I experienced in 2009, and begging that they simply delete the trade-line. Of course, as they charged-off the $200 or so dollars, I did not expect them to be too generous with their goodwill, but at the cost of a stamp, worth a shot. Especially since I had paid a GECRB/HHGregg from the same time in full. So while they were not made whole, they got most of the money they were owed, maybe 90%. Today, I received a
  22. Just wanted to let everyone know that they should not give up on Macys. I tried to get them to remove a couple lates last year and was told no. I called every day for the past week and somone finally said yes. I had a 30, 60, 90 120 late from 2011 and they deleted it in less than a week. They did not however removed the 30 days late in 2012 hey but Ill take what I can get for now! Dont give up!!!
  23. Hi ya'll. I just joined the forums a couple days ago. I have already found it very valuable, but I didn't find the answer to my question so thought I would ask here. I am asking in this forum over the Debt forum because it involves Credit Cards as well as CAs. If this is still in the wrong place, please let me know and I will move it. My story (and question): I am 28 and am on a path too rebuild my credit. All three of my FAKO scores (I haven't checked my FICO in a couple years, it was right over 600 last I checked) range between 633 and 667. In 2009, I moved into an apartment of my
  24. Ok, so hubby is just about to change jobs - a very, very good job (and will indeed have a background/credit check) AND we are in the midst of refinancing our home. We have fairly good credit - Never ever late on a mortgage (and we have three because we own 1 primary and two rental properties - have had several mortgages since 1989). Have had car loans for 20 years (8 total, of course all closed/paid off but current one - and only have one missed payment back in 2006 (1 30 day late). We do also have one paid medical collection from 2009. We do have some CC debt but manage it ok - 40% utiliz
  25. As previously noted, a friend was having issues with US Bank, specifically errors in the reporting of the monthly statuses from 2012. Prior to 2012, there were numerous lates and even the start of the foreclosure process, which were not in dispute. Along with the diligent efforts to get the 2012 errors corrected, a separate goodwill letter was sent asking if anything could be done about the earlier lates? OK, no progress on the 2012 issue, and friend has been assured by US Bank that will be resolved by COB on Tuesday the 11th. However, yesterday ALL lates prior to May 2011 were remove
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