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03-29-2011 10:44 AM
Received a call back from HSBC Executive Consumer Resolutions department. They replied in response to my GW e-mail, and I I am receiving the adjustment!
Thanks Witanga for this and the Cap 1 contact!
Even though this single LP was almost 2 years ago, it still makes the account list as a negative factor. Having this removed will help at least a little.
I will put a copy of the letter I wrote, but bear in mind, specifics to your situations work best:
Account Number: **************
How are you sir!
I have an out of the box request and I would love to see if you could oblige. I
am in the process of credit restoration to buy a new home, and one the negative
factors on my credit report is a 30 day late payment from HSBC. (Dec 2009)
Now I do understand the integrity of the credit reporting system, I am also
aware that you all are legally required to report Fair and Accurate information.
Thus not compromising the integrity of the credit game.
However, I am asking for an extension to remove the SINGLE late payment recorded
on my account for credit reporting purposes. I know this is something that is
normally not granted. I don't have a sob story as to why I paid late, it was
quite honestly a simple oversight.
Are you able to review my account and potentially remove this derogatory
I am not asking for a deletion of an entire tradeline or removal of multiple
lates. But I very much enjoy being an customer. (I have my car loan, credit
card, and through your bank)
As a LOYAL customer, whom has NEVER been late on any HSBC accounts, other than
this single late on my credit card account.
I have contributed key business (money) to your organization, and am hoping to
be forgiven of a SINGLE trangression.
Please give me an e-mail back or call if you would like to discuss further!
Thanks in advance for reading my e-mail!
Hope this is inspiration, as in the last 2 years I have pulled my credit from the high 400s to the lows 600s and RISING with GW letters and PFDs.
Tackling responsibility and effort goes a long way, GOOD LUCK ALL!
03-29-2011 11:05 AM
Would you mind sending me a PM with the hsbc and cap one emails?
Much appreciated! Thx!
03-29-2011 11:53 AM
I sent a goodwill email to a top HSBC exec as well on Sunday night and then yesterday received a phone call from him telling me he would look into it for me!!! I know it's not a definite, but it's better than a "NO" so I am hopeful......can't wait to get his response!
03-29-2011 12:44 PM
Could you PM me the Cap 1 contact also?
I have on 30 day late in Feb 2009 with a cap one card and this is putting my account in negative.
Would be good if Cap 1 removes it.
03-29-2011 12:49 PM
03-29-2011 01:44 PM
Could you pm me the contact for HSBC? Thank you.