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

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Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
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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
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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. 


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