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.
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.