Reply
Valued Member
Posts: 35
Registered: ‎03-06-2013
0

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
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

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
0

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 ways...lol.

 

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. 

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.