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New Contributor
Posts: 64
Registered: ‎11-17-2012
0

Goodwill letter?

Hello. I am new here and this is my first post! I had a question about goodwill letters. I have an account and about $600 is left owed on it. It is a jewelry account. I made the mistake of opening the account in my name but letting my mother use it. Last year it was marked 120 days late and once this year it was marked 30 days late. Could I send a good will letter to the creditor asking if I pay the account in full right now then will they remove the 120 day late mark or is that illegal? I'm not sure its just killing me that this is affecting my credit. I pay all my bills on time and this is the one thing thats negative and it's driving me insane!! At this point I'm willing just to pay it in full for her! Please let me know if anyone has any advice! Thanks so much :smileyhappy:

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EQ~ 642
EX Fico~ 680
TU~ 686
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Posts: 13,761
Registered: ‎04-15-2011
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Re: Goodwill letter?

Wouldn't hurt to ask.  Might even work better if you were to pay it then ask.  Just a suggestion.



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New Contributor
Posts: 64
Registered: ‎11-17-2012
0

Re: Goodwill letter?

thanks for your advice :smileyhappy:

NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
New Contributor
Posts: 64
Registered: ‎11-17-2012
0

Re: Goodwill letter?

this is off topic but how do I change the fico fitness challege signature It's not showing up right

NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
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Re: Goodwill letter?


DSW89 wrote:

this is off topic but how do I change the fico fitness challege signature It's not showing up right


try to copy and paste this

 

<hr><img align="left" border="0" width="50" height="50" src="http://ficoforums.myfico.com/fico/i/custom/FFC_Icon.gif"><font size="2"><font size="1">Starting Score:</font> <b>800</b><br><font size="1">Current Score:</font> <b>800</b><br><font size="1">Goal Score:</font> <b>850</b></font><br><br><font size="1"><a href="http://goo.gl/m10uw">Take the FICO Fitness Challenge</a></font>

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New Contributor
Posts: 64
Registered: ‎11-17-2012
0

Re: Goodwill letter?

thanks :smileyhappy:

NavChek~ 13K.... nRewards MC~ 12K... CashRewards Visa sig~ 12k... NFCU Platinum Visa~ 10K... USAA Cash Rewards~ $2000... Chase Freedom~ $1500... Discover It~ $1500... Belk~ $1200.... Children's place ~$850... Walmart Store Card~ $1350... Amazon Store Card~ $1150...Victoria's Secret~ $500 Macy's~ $800

EQ~ 642
EX Fico~ 680
TU~ 686
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