Valued Member
Posts: 35
Registered: ‎03-06-2013

Goodwill over the phone?

How successful is having a late pay good willed over the phone??

Trying to get a mortgage and need 32 points per broker, thought it may be quicker this way than mailing letters.


anyone have luck with this?


Starting Score: 568
Current Score: EQ624, TU630 TU04 606, EX640
Goal Score: 700

Take the myFICO Fitness Challenge
Posts: 22,406
Registered: ‎01-17-2008

Re: Goodwill over the phone?

Lots of posters have had luck over the phone.  It really depends on who the creditor is and the CSR you happen to get.

New Contributor
Posts: 55
Registered: ‎05-12-2007

Re: Goodwill over the phone?

Today alone I have had two lates removed by Toyota and negotiated a PFD with National Recovery for a medical collection over the phone. Last week I started calling Capital One last week to GW 3 lates and was successful. I recorded my phone calls by calling from one phone on speaker and recording voice memos with my iPhone just in case they try any funny business later on. I made them repeat that they would delete in many different


I am too buying a home and currently need 60 points. I had one collection and 5 lates removed, was added to my mom's chase credit card as an AU that she has had since 1994, and got my utilization down to 8%. If this doesn't give me 60 points by the end of the month, I really do not know what will...Keeping my fingers crossed...


Good Luck. 


PM me if you want to talk about how i did it. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+