BBVA Goodwill Letter?

[chalupaman]

I'm trying to remove a first time 30 day late that just ended up on my Experian credit report. It's for a credit card account for BBVA and it was an honest mistake on my part and I just made the payment today for the account. Other than that, my credit report has been clean for the past 2 and a half years and I need some advice on writing a goodwill letter that would be convincing enough for the company to remove the late from my credit report possibly. I have not had any negative history with them besides that. 

[Imperfectfuture]

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@chalupaman wrote:

I'm trying to remove a first time 30 day late that just ended up on my Experian credit report. It's for a credit card account for BBVA and it was an honest mistake on my part and I just made the payment today for the account. Other than that, my credit report has been clean for the past 2 and a half years and I need some advice on writing a goodwill letter that would be convincing enough for the company to remove the late from my credit report possibly. I have not had any negative history with them besides that. 

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You will need to talk to them first next week.  Just be honest.  Might want to consider cutting back a bit on cards, since that is a BIG mistake.  Calling will be quicker than writing, because you are aware of possible AA after that shows.

[chalupaman]

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@Imperfectfuture wrote:

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@chalupaman wrote:

I'm trying to remove a first time 30 day late that just ended up on my Experian credit report. It's for a credit card account for BBVA and it was an honest mistake on my part and I just made the payment today for the account. Other than that, my credit report has been clean for the past 2 and a half years and I need some advice on writing a goodwill letter that would be convincing enough for the company to remove the late from my credit report possibly. I have not had any negative history with them besides that. 

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You will need to talk to them first next week.  Just be honest.  Might want to consider cutting back a bit on cards, since that is a BIG mistake.  Calling will be quicker than writing, because you are aware of possible AA after that shows.

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I am planning to downsize soon and put this one on autopay. Cards have been much less of a focus for me and i'm currently on the phone with a CS rep right now trying to get it off.

[chalupaman]

Update: CS rep was able to reverse the $35 late fee, but claimed that since the payment was late they wouldn't remove it off my report. I am going to write my goodwill letter to BBVA anyway and pursue further action on this. 

[gdale6]

I would advise the letter go to the office of the CEO its your best shot.

[NibblesTreats]

Do you have a sample of the letter you wrote for this instance? I have the same type of situation but with the electric company. I moved out and thought I had paid all that I owed. Found out when I saw the "ding" on my credit report that I was wrong. So I promptly paid it and they updated it to paid (dropped my scores by an additional 13 points!!!) but it's the only derog on my credit reports and I'm hoping if I plead my case, they'll remove it. I just need help in constructing the letter.  I am looking at purchasing a house early next year and this collection account has dropped my scores 30-50 points!!! I need to get it fixed asap. 

thank so much!