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Capital One Goodwill Letter Success!

Moderator Emeritus

Re: Capital One Goodwill Letter Success!


danash80 wrote:

I would definitely try it out. And if they say no, try again and again.


Agreed!  It sometimes take several attempts.  Don't get disheartened if you need to repeat.  Smiley Wink

Just puttin' syrup on something, don't make it pancakes.
Member

Re: Capital One Goodwill Letter Success!

Wouldn't calling be more effective? What if the letter doesn't get to the person it's intended for?
Member

Re: Capital One Goodwill Letter Success!

Sorry to double post, but I have a problem with this whole Goodwill letter thing. I can't understand how this works so easily. I just called Target to remove two 30 day late payments I had with them and they weren't hearing it. The only thing they were willing to do is credit me back the $35 late fee that they charged me. Also, they they aren't in control of getting rid of something on my report, that's the bureaus job. I don't know how these letters worked for you guys. I wrote out 5 letters and I'm going to send them anyway but Im really going to cross my fingers on this one.
Moderator Emeritus

Re: Capital One Goodwill Letter Success!


Mrvlhro wrote:
Sorry to double post, but I have a problem with this whole Goodwill letter thing. I can't understand how this works so easily. I just called Target to remove two 30 day late payments I had with them and they weren't hearing it. The only thing they were willing to do is credit me back the $35 late fee that they charged me. Also, they they aren't in control of getting rid of something on my report, that's the bureaus job. I don't know how these letters worked for you guys. I wrote out 5 letters and I'm going to send them anyway but Im really going to cross my fingers on this one.

The CRA's can only report the information the creditors send to them. All a creditor has to do is not report a late payment, charge off, collection, etc. Of course convincing the creditor to do such a thing is the hard part just as you and many others experience. But GW's do work. The trick is to not give up.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Regular Contributor

Re: Capital One Goodwill Letter Success!


MarineVietVet wrote:

Mrvlhro wrote:
Sorry to double post, but I have a problem with this whole Goodwill letter thing. I can't understand how this works so easily. I just called Target to remove two 30 day late payments I had with them and they weren't hearing it. The only thing they were willing to do is credit me back the $35 late fee that they charged me. Also, they they aren't in control of getting rid of something on my report, that's the bureaus job. I don't know how these letters worked for you guys. I wrote out 5 letters and I'm going to send them anyway but Im really going to cross my fingers on this one.

The CRA's can only report the information the creditors send to them. All a creditor has to do is not report a late payment, charge off, collection, etc. Of course convincing the creditor to do such a thing is the hard part just as you and many others experience. But GW's do work. The trick is to not give up.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Well stated!!!!



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Current Score: TU-800 (FICO) EQ-812 (FICO) EX-800 (PLUS SCORE FAKO)
Goal Score: 815


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New Member

Re: Capital One Goodwill Letter Success!

What physical addresses did you use?  I am getting ready to send out a wave of GW letters to get 2 30's removed from my record.

 


Starting Score: 527 EQ May 16, 2011
Current Scores: 631 EQ / 670 EX / 663 TU ( as of 7/12 )
Goal Scores: 700 across the board!
Moderator Emeritus

Re: Capital One Goodwill Letter Success!


Kabilos wrote:

What physical addresses did you use?  I am getting ready to send out a wave of GW letters to get 2 30's removed from my record.

 


The OP hasn't been back online since this thead was started so you might not get an answer. Hopefully you will.

Established Contributor

Re: Capital One Goodwill Letter Success!


Kabilos wrote:

What physical addresses did you use?  I am getting ready to send out a wave of GW letters to get 2 30's removed from my record.

 


OP does mention the address that was used:

 

Attn: Customer Relations
Capital One
P.O. Box 30281
Salt Lake City, UT 84130

New Member

Re: Capital One Goodwill Letter Success!

Hi,

 

I am curious if you faxed or mailed this letter and if so, what is the number/address?  Thanks!

 

-- Adam

Member

Re: Capital One Goodwill Letter Success!

Wish me luck! I am going to send a GW letter to Cap1 right now.

 

Capital One

PO Box 30281
Salt Lake City, UT-84130-0281

 

This was the information listed on my credit report so I am going to try!