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RiceCrispy

Goodwill Letter response

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I recently sent in a goodwill letter based on a sample from this site. Trying to have two previous late charges removed from by car loan bank to help my credit score and in the future for buying a house. They did respond however it seems like they didn't read my letter correctly. I did admit the charges were accurate and apologized. They responded by saying the charges are accurate and they are closing my dispute. Any advice on how I should respond? I sent the letter to the main address off my billing website so I assumed I sent it to the correct people. Thank you in advance for your help.

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Posted (edited)
13 hours ago, RiceCrispy said:

I recently sent in a goodwill letter based on a sample from this site. Trying to have two previous late charges removed from by car loan bank to help my credit score and in the future for buying a house. They did respond however it seems like they didn't read my letter correctly. I did admit the charges were accurate and apologized. They responded by saying the charges are accurate and they are closing my dispute. Any advice on how I should respond? I sent the letter to the main address off my billing website so I assumed I sent it to the correct people. Thank you in advance for your help.

With goodwill requests you want to target specific executives and send requests to them individually by name.  

 

Goodwill requests in general don't have a high degree of success, but that doesn't mean you shouldn't try.  With that said, a "to whom it may concern" letter addressed to a general billing address has the lowest probability of success.

 

 

 

 

Edited by cv91915

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Posted (edited)
17 minutes ago, RiceCrispy said:

Thank you for the advice. How do I find the name of a specific person to send another letter?

If it's a big company, grab your Google Machine and search for "[company name] executive team."

 

If it's a publicly traded company the names of the top executives will be listed on the company's web site (may take some hunting) and in their annual reports.

 

LinkedIn may work as well.

Edited by cv91915

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On 3/9/2019 at 7:02 PM, RiceCrispy said:

Thank you for the advice. How do I find the name of a specific person to send another letter?

As CV notes, the SEC filings are great places for information as are profile pages on the various investor sites.  Additionally, the Investor Relations page on the company's website usually gives you the names and positions.  You are generally looking for a SVP with a title that relates to some manner of customer relations or finance.  Job title and descriptions will point you where you need to go. 

 

DO NOT send it to them by email even if you are able to track down an email addy for them.  Use the Postal Service.

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