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futurehomeowner?

The Master Thread of Goodwill Good Will responses

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Sorry BW to step on your MT toes. I thought it would be interesting to have a thread dedicated to the responses that people get by sending good will letters. Please post in this thread the creditor, what you were asking for, how you sent it, who you sent it to, and what response you received back.

 

 

 

I will start it off.

 

AES- I asked for lates from 5 years ago to be removed- I sent my letter to the general PO box in Harrisburg.

 

Their response was-- UMMMM noooo, you were late.

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AES never does goodwill

Yeah I know but I thought I would try. Also I figured a thread like this may be helpful for people who want to send a goodwill so they know what to expect. And if someone had good luck then they may be able to give a hint how they got it done.

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Yes this is a good idea :good:

 

My AES lates finally will be gone in July. 7 long years of no's.

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GM Financial - Lates from 2 and 3 years ago to be removed - I sent my letter to the coprorate address I found on their website

 

Their response - treated it as a dispute and said all information is being reported correctly

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I sent letters and emails to the executive officers of Great Lakes and AES twice and got "no" and "still no"

Edited by UNI4790

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AAFES - sent through online message and by disputes@aafes.com several lates less than a year old.

 

Pioneer military loans ( a subdivision of midcountry bank) - 90 day late from 2 years ago sent a message through midcountry bank ask a question.

 

Both approved.

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And University of Phoenix just validated the hell out of me yesterday from a GW letter. I was so nice too. The amount of time it must have taken her to type out this 4 page letter just blows me away.

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Oh God, yes. She could have just politely said "yeeeeaaaahh, we don't think so but thanks for your money and you are welcome for that ever so useful degree because we don't require the GRE so your classmates had a low bar to clear to get in here and they couldn't even use proper grammar" (yes I realize this is the mother of run on sentences).

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Oh, and in case anyone is interested in goodwilling Carmax, read my thread titled Goodwill and Unintended Consequences. They decided that they hadn't screwed me enough so they reviewed my account. Turns out they weren't reporting all of my lates before, so they are updating to make sure they are ALL reporting. Jerks!

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http://creditboards.com/forums/index.php?showtopic=512388

 

So a couple weeks back I sent a pathetic but true sob story to the CEO of Carmax regarding some lates on an auto loan my ex and I had. There were 14 lates listed, and I asked them to remove the most recent one in July of 2011. There hadn't been any lates for 9 months up until that point and I was just hoping maybe it might boost the score if the more recent lates were removed.

 

I get a call back on Tuesday from Tiffany who is the head of customer service. Says she is obligated to report this information ethically ( ha!), but she has taken the time to review my account for inaccuracies and noticed there were 2 lates that were not supposed to report, and she removed them. How nice.

 

Today I was able to backdoor TU and noticed that they were reporting 6 more lates than EX and EQ (which were identical), so I called her back. She said that 20 was actually correct and she had sent a request to all 3 bureaus to update reporting to reflect that. ARE YOU F@&%$8G KIDDING ME??? So in my request to get some assistance, she managed to screw me over even worse! I'm so pissed right now I could scream!!! :angry:

 

Now, does anyone know how badly 6 additional 30-day lates between 6/07 and 12/10 will drop my score? (I already have a 60 and 90-day in 2012, a 90 and 30 in 2011; and a 90,120,150 and 5-180s in 2010.) Couldn't get too much worse, right? :cry2:

 

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I still want to see a Master "who the JDB's that won't/can't validate are, who the easiest to crumble CA's are, and who the worst/most difficult are".

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Goodwill letter to GECRB re Banana Republic CO (paid). It was emailed to their EO.

 

Their response: "We have reviewed your account and verified we have accurately reported...we are unable to delete or modify the status as reported. While we understand extenuating circumstances may result in late payments, we must report delinquencies. We sincerely empathize with you, with regard to your situation at that time, and commend you in your desire to rebuild your credit. Nonetheless, we are required to report the account payment history as it is established. This requirement maintains the credibility of the information provided to the credit bureaus. Arbitrary changes on our part would undermine credibility."

Edited by Second Chances

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