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ccgiles24 wrote:MY SCORE IS VERY LOW RIGHT NOW AND I'M TRYING TO GET A GRIP ON ALL MY CREDIT CARD BILLS. I HAVE TO LEASE A CAR IN JULY AND I'M AFRAID WITH SUCH A LOW SCORE I WONT BE ABLE TO GET A CAR. HOW CAN I IMPROVE MY SCORE FROM NOW UNTIL JULY?
Goodwilling is a combination of luck & skill while showing contrition. Sorta the equivalent of panhandling for a better credit score.
Here's one my wife and I used that worked with Chase bank. IIRC, one went to 120 days late, second went to 90 days late, and the third went to 90 days late and was settled for less than the full amount. Got all three accounts deleted from our reports, and they even sent a letter saying they would do it.
We are writing to see whether Chase Bank would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts. We are asking whether Chase Bank would remove the adverse late payment and settlement reporting from these accounts in reporting to the credit bureaus. We understand this is a rather unusual request—particularly as our accounts fell behind upwards of 120 days and one account was settled for less than the full amount.
Chase Bank was extremely helpful in working with us at a time of job layoffs and missed payments. The ease with which we were able to resolve these accounts gave us something to pay off and helped us to move forward.
If what we ask is too much, then any goodwill adjustment to the reporting bureaus would be most appreciated.
Regardless of your decision, please know that we thank you for helping us at a time when it was needed, and we hope to do business with Chase again one day.