topic Re: hsbc goodwill success in Rebuilding Your Credit

hsbc goodwill success

breakdown1987 — Sun, 28 Aug 2011 06:31:02 GMT

Recently was able to goodwill hsbc. heres the backstory. In 2008 I was approved on a bestbuy credit card through hsbc. When I went to activate the card, I was transferred to someone in India. She didn't speak good English at all. While activating my card she kept insisting I sign up for credit keeper, in which would be billed monthly to this new card. I kept telling her no, but she kept insisting. When it was all said and done, I thought I got the point across, I wasn't interested however she pulled a fast one and signed me up anyway.

For the next 3 months, I was living at home, on campus, off campus, had a po box. Well, this credit keeper sent my account past due 90 days. I had never received a bill, and when I finally found out I paid it off, and HSBC closed the account. I had planned to fix this right away but with, school, work, and life, I was slammed and put this aside.

Fast forward 2 years, yup it was still there. I'm looking at buying a house and trying to boost my score as much as possible. Was able to find a decent goodwill letter online tweak it and mail it. A week later, myfico notified me that the 90 day late was removed and the account was closed in good standing. Never personally heard from hsbc, I just know someone removed it.

Here's the letter I used. Hope I'm not breaking any rules by posting it.

To Whom It May Concern:

I am writing to you concerning a collection enacted against me on March of 2008. In March of 2008, I opened a HSBC/Best Buy account with a limit of $900. I had never actually purchased anything with this account. There was infact some sort of ‘credit monitoring service’ that was associated with the account. Unfortunately I was never aware of this, and the small monthly fee is what sent the account past due.

In 2008, I was moving back and fourth a lot because I was attending an out of State University. For whatever reason, I did not receive the bill they mailed me. Once I discovered this collection on a credit report did I realize that I owed a balance of $31 (if my memory serves me correctly) which I promptly paid in full In September of 2008.

I am writing asking you to delete this negative information from my credit history. I have always had a stable income from a full time job and would have easily paid my balance if I had known about it. I have never been late paying any bill, credit card, or loan, other than this collection. My credit history is excellent. Honestly, I feel a little silly having a negative mark on my credit report for such a relatively small amount of money. In conjunction with an account I had never used!

I am shopping for a home mortgage and negative reports such as this may preclude me from receiving a good interest rate or even qualifying for a loan at all. Since this past collection does not reflect my current ability to pay my balances on time I am asking you to please ask the credit agencies to delete it from my record. Since this collection record will be removed from my history in a few years anyway, I am kindly asking you to erase it just a little earlier. I know that you are under no such obligation to do so, but I am begging you to show some goodwill and help assist me and my family in our search for a good home. Please let me know if any additional information would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Sincerely,

Re: hsbc goodwill success

-Cain- — Sun, 28 Aug 2011 06:06:01 GMT

Good letter. Congratulations on being able to get that bad mark off your reports. Hopefully your letter will help someone else in a similar situation.

Re: hsbc goodwill success

rckstrscott — Sun, 28 Aug 2011 14:42:55 GMT

Where did you send your HSBC good will to? I have had a lot of luck with most places, but these guys are eluding my grasp! haha

-scott

Re: hsbc goodwill success

rocar83 — Sun, 28 Aug 2011 14:58:24 GMT

Congrats on your deletion. Could you pm the address you sent the letter to? thanks

Re: hsbc goodwill success

ErinW43 — Mon, 29 Aug 2011 00:21:49 GMT

Congatulations! Can you message me the address you used? I just sent a letter to them for a late from 2006. Thanks!

Re: hsbc goodwill success

snowangel — Mon, 29 Aug 2011 02:45:01 GMT

Would also appreciate the address. Had a 60 day with them in 07 and haven't been able to get it removed.

Btw, great letter and congrats!

Re: hsbc goodwill success

beautifulonyx — Mon, 29 Aug 2011 13:26:50 GMT

Congratulations on your success with this! Can you PM the address you used? Ive been trying to get through to these guys as well.

Thanks

Re: hsbc goodwill success

brooke729 — Wed, 31 Aug 2011 02:03:01 GMT

COngrats. could you PM me the address as well?

Re: hsbc goodwill success

winstars — Wed, 31 Aug 2011 07:06:41 GMT

breakdown1987 wrote:
Recently was able to goodwill hsbc. heres the backstory. In 2008 I was approved on a bestbuy credit card through hsbc. When I went to activate the card, I was transferred to someone in India. She didn't speak good English at all. While activating my card she kept insisting I sign up for credit keeper, in which would be billed monthly to this new card. I kept telling her no, but she kept insisting. When it was all said and done, I thought I got the point across, I wasn't interested however she pulled a fast one and signed me up anyway.

For the next 3 months, I was living at home, on campus, off campus, had a po box. Well, this credit keeper sent my account past due 90 days. I had never received a bill, and when I finally found out I paid it off, and HSBC closed the account. I had planned to fix this right away but with, school, work, and life, I was slammed and put this aside.

Fast forward 2 years, yup it was still there. I'm looking at buying a house and trying to boost my score as much as possible. Was able to find a decent goodwill letter online tweak it and mail it. A week later, myfico notified me that the 90 day late was removed and the account was closed in good standing. Never personally heard from hsbc, I just know someone removed it.

Here's the letter I used. Hope I'm not breaking any rules by posting it.

To Whom It May Concern:

I am writing to you concerning a collection enacted against me on March of 2008. In March of 2008, I opened a HSBC/Best Buy account with a limit of $900. I had never actually purchased anything with this account. There was infact some sort of ‘credit monitoring service’ that was associated with the account. Unfortunately I was never aware of this, and the small monthly fee is what sent the account past due.
In 2008, I was moving back and fourth a lot because I was attending an out of State University. For whatever reason, I did not receive the bill they mailed me. Once I discovered this collection on a credit report did I realize that I owed a balance of $31 (if my memory serves me correctly) which I promptly paid in full In September of 2008.

I am writing asking you to delete this negative information from my credit history. I have always had a stable income from a full time job and would have easily paid my balance if I had known about it. I have never been late paying any bill, credit card, or loan, other than this collection. My credit history is excellent. Honestly, I feel a little silly having a negative mark on my credit report for such a relatively small amount of money. In conjunction with an account I had never used!

I am shopping for a home mortgage and negative reports such as this may preclude me from receiving a good interest rate or even qualifying for a loan at all. Since this past collection does not reflect my current ability to pay my balances on time I am asking you to please ask the credit agencies to delete it from my record. Since this collection record will be removed from my history in a few years anyway, I am kindly asking you to erase it just a little earlier. I know that you are under no such obligation to do so, but I am begging you to show some goodwill and help assist me and my family in our search for a good home. Please let me know if any additional information would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Sincerely,

Yes it's a great letter indeed and congrats on getting it done!!!! Like others here, can you please pm me the info you used for victory????

Re: hsbc goodwill success

breakdown1987 — Wed, 31 Aug 2011 13:13:35 GMT

thanks, i responded to all you guys. good luck

Re: hsbc goodwill success

modock32 — Wed, 31 Aug 2011 14:52:39 GMT

good success story. Could you pm the address used to me as well.

Re: hsbc goodwill success

modock32 — Wed, 31 Aug 2011 14:54:42 GMT

Would you happen to still have the address you used for the goodwill letter to HSBC. I have a late I am trying to get removed. Good success story by the way. Thanks for sharing.

Re: hsbc goodwill success

Lawstudent007 — Sat, 03 Sep 2011 10:46:17 GMT

Congrats on your success! I too have 2 lates I would like deleted. Do you mind sharing the address with me as well please?

Re: hsbc goodwill success

Shawnosu78 — Tue, 06 Sep 2011 05:25:47 GMT

CAN YOU PLEASE SEND ME THE EMAIL FOR HSBC EXUC OFFICES?

Re: hsbc goodwill success

jasimae — Tue, 06 Sep 2011 15:38:57 GMT

Hi. I'm looking to have an HSBC item deleted from my credit report, too. Can you pm me the contact that you used?

thank you.

Re: hsbc goodwill success

mxp114 — Tue, 06 Sep 2011 17:11:29 GMT

Can you please send me the info too? I have an HSBC TL that was opened and closed within two weeks, that I really want deleted. Do you think I have a shot?

Re: hsbc goodwill success

breakdown1987 — Tue, 06 Sep 2011 21:01:49 GMT

i just sent you guys the address i mailed too. gl

Re: hsbc goodwill success

Jennifer331 — Wed, 07 Sep 2011 13:44:50 GMT

Can you PM me the address to where you mailed the letter. I have a closed account from 2009 that I would like to see if I can get the lates removed.

Thank you in advance.

Re: hash goodwill success

Jennifer331 — Thu, 22 Sep 2011 19:30:15 GMT

Well today, I checked my TransUnion report and noticed that HSBC Best Buy Rewards Card deleted my 30 & 60 day lates. All this after one Goodwill attempt. Score jumped 20 points.

Re: hash goodwill success

breakdown1987 — Thu, 22 Sep 2011 22:48:32 GMT

congrats