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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 to an EO who would I address the letter to? CEO, COO? What else can I do?
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.
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 today and they said they will send a letter to the three bureaus stating that I was unemployed so on and so forth and wait for a reply in the mail so praying they erase these late marks. Discover on the other hand was so rude they just kept saying by law we must report info to the credit bureau and that we cannot help you we do tell them that you are doing well every month that you pay .
I was signed up with a lady who does credit repair but tmrw I will be opting out.
I have read that I can do a goodwill letter
And in some even say they did it through Email
Please may someone help me
What email address can I use to email my goodwill letter to Discover and what is the best address to mail one to them. I dont wanna be one of the people they just toss aside.
I have been doing somewhat well with my score my fico is a 601 and the 3 bureaus are around 502
All my hard credit inquiry should be removed by February 2015 so then my score will in have these negative marks towards late payments when I was unemployed which suck. I would like to be able to get a loan one day well sooner than later.
Anywho all and any help is appreciated thank you in advance thank you for bearing through this long post
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.
Regarding: Account No.
PO Box 15153
Wilmington DE 19886-5153
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 itself in the credit card industry, but I also the appreciate the line of credit Chase has extended to me with respect to my credit card account . With this said, I find myself somewhat disappointed that your response didn’t seem to address the request that I made directly. Given the state of my personal life at the time of the alleged late payment (and without going too far into the more private details of my life obstacles at the time), I made a simple goodwill request that you grant me this one reprieve from, as you saw, the late payment. Your response instead addressed the accuracy of the information reported to the credit bureaus and did not address the unique conditions that I shared with you to explain what may have caused possible late payments in my life at that time, if they did in fact occur.
Considering my previously positive experience with Chase I approached this situation with good faith that I was dealing with a company who valued its customers and the business they bring through both good and bad situations. In addition to this, due to more responsible use of personal credit lines my credit score has already begun to improve within the last 12 months. As I grow into a more responsible credit worthy consumer than I was in my younger years, I will have need of business relationships with companies such as Chase. My decision on who to do business with and who to recommend to friends, family, and business partners will rely heavily on who has treated me fairly and reasonably in the past.
I would ask you once more, before time and resources are spent on investigating my rights as a consumer and your obligations as a creditor under federal law, to reconsider rescinding this alleged late payment from all 3 credit bureaus. If you refuse to consider this request, I would then ask that you escalate all 3 letters thus far and my concerns about my future business relationship with Chase to the manager of your customer satisfaction department before you respond. If the potential for a future private and business relationship with a customer is not important to you or does not impact your professional position, there may be others with Chase that might be more understanding and grateful of nurturing potential private and professional relationships. Thank you for your time in this matter.
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 Whom It May Concern:
I am writing a letter about my experience with Hughes Federal Credit Union that is a mixture of a grateful "thank-you" and a pressing request concerning a Hughes Federal Credit Union auto loan in my credit file that I would like to have revised.
I was very fortunate to have received the Hughes Federal auto loan December 1st, 2011 several years before I enlisted in the United States Navy on June 5th 2013. On October 15th my now wife informed me of one of the most special moments of our life, and that is we were expecting a beautiful little girl. We were then engaged on January 10th 2014 in Kauai and I eventually headed to Boot Camp on February 5th ,2014 in order to serve my country and prepare for a financially stable future for my soon to be wife and future daughter named Aria. I went on to graduate from Boot Camp April 5th 2014, was able to get married during my Tech school on April 19th 2014 and my daughter was born on May 24th 2014. I then graduated Tech school on May 31st, and unfortunately had to leave my family behind for the time being while I left to Japan on June 15th 2014 where I am currently stationed. I became disorganized with respect to, as you saw, making two timely payments with Hughes Federal credit union. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Hughes Federal credit union. This account is now paid off in full and hope you understand my full gratitude for working with the accompanying Lender.
To be honest, this year has been very much chaotic, stressful, and at times slightly overwhelming but rewarding in ways I couldn’t have ever imagined. Through the entirety of my time with Hughes Federal credit union I have always made my payments an absolute priority, and during the time in which I was having to prepare to leave my family in order to go overseas and securing a new car for my wife there was a brief period of confusion and I hope you understand I have done everything possible to amend this situation and do the right thing. Thankfully, responsible credit management is reflected in my credit records which -- excluding the Hughes Federal late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, that I intend on growing and am determined to keep spotless.
We are about to shop for a mortgage, and it has come to my attention that the late notations from Hughes Federal credit union may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my overall excellent history with Hughes Federal, I am requesting that you give me a second chance at a positive credit rating by revising the auto loan. Your customer service representative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Hughes Federal Credit Union, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
Very hopefully yours,