Re: Household Bank Update: Goodwill Letter #2 - myFICO® Forums - 576942

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In short, I was 30 days past due on my Household bank account in March of this year. It was reported to all three bureaus and I took a hit on my scores for that. I mailed two goodwill letters and still a no go. Here's how they responded:

"As we report information that relates to the actual credit experiences that we have had with you, it is not possible for us to delete this information."

I had this account since January 2005 with an otherwise perfect payment history. Should I mail goodwill letter #3 or am I simply wasting my time? Advice is requested fellow FICOers!!!

Thanks,

Uncle Money

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 1 of 7

6 REPLIES 6

I don't think it hurts to try again. Have you searched out addresses for people higher up in the food chain? You may want to change people if you try again.

Message 2 of 7

Hi Lynette,

I haven't but that sounds like a good idea. I've been writing to the address on my credit report and used the reference number.

Any suggestions?

Thanks,

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 3 of 7

I have heard of no instances in which Household will GW. I tried getting GWs before I bought a house last year, and repeatedly was told no. \

That said, keep trying if this is something that is really holding your FICOs back.

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749

Message 4 of 7

@Uncle_Money wrote:
Hi Lynette,

I haven't but that sounds like a good idea. I've been writing to the address on my credit report and used the reference number.

Any suggestions?

Hi Uncle Money,

Have you posted about this on the Rebuilding Your Credit forum? If not, do that and ask if anyone has had luck with Household. If they have, they may be able to give you a name. Also, I think they have a list of addresses stickied at the top of the forum.

I remember reading with other banks that sometimes people had luck when they got their letter to the CEO. Also, post the letter you have written and ask for advice on your wording, etc. There are some mighty knowledgeable people who have been through this. Maybe there is no chance, but I'd ask them over there. Good luck!

Message 5 of 7

UPDATE: Hey Guys, well I just overnighted goodwill letter #3 to Household bank via FedEx. I'm not giving up and I refuse to have this on my report's for 7 years! I have all the time in the world so I will mail them every week if I have to until I become a thorn in their side. I will keep everyone posted. I'm determined to come back with a post on my success with getting this late pay removed.

- Uncle Money

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 6 of 7

was the the payment actualy past due? if not dipute with the CRAs on ground is false ino because it was not 30 days past due ,but that how i appears on report, also contact your congressmento make him aware of this abusive pracatice , I find job of protecting the cunsummer our goverment is doing.

Message 7 of 7