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Hi guys,
I am writing a letter to Bloomingdales asking them to remove the negative account for a one time late 30 day payment. How does this look? Please C&C and Thanks for your time.
"Dear Bloomingdales Credit Services:
I recently pulled my credit report and noticed that I have a negative account according to the Credit Agency Transunion. My account numbers is edited and have been a Bloomingdale’s Insider since February of 2010. I am writing to you as a concerned customer if you are willing to make a “goodwill” adjustment on the reporting of this account to the three credit agencies to have this removed. I have a 30 day late payment on the account for the month of September of 2010. Every other month thereafter has been in good standing and there is currently no balance.
If I recall, I remember being notified via a phone call that I was going to be late making a payment on weekend, I told the sales representative instantly that I will pay the following business day since this has been brought to my attention. Immediately the next day I paid the monthly payment, which included the late payment fee. I do not contest about this late payment fee; I just didn’t think this would be a problem since the minimum payment was only $25. I have a full time job, $25 I know I would have been able to pay this off. I just lost track of time and was busy working. Working in the Tax department and having an October 15th deadline can be extremely hectic at times. I should have been more responsible and setup automatic bill pay. If you look at my attached credit report from Transunion, you will see that I have an exceptional payment history. This one negative derogatory account has since been affecting my credit immensely. I would like you to consider removing the negative payment from my credit report.
Springtime is coming up and I could use a new wardrobe, as a solution to this problem and to prevent this from ever occurring again, I will now use automatic bill payments.
I hope that Bloomingdales is willing to work with me on erasing this mark from my credit reports. I have been a happy customer and I recommend and tell all my friends about the savings they can receive from subscribing to the email newsletter that you periodically send out. I hope to maintain this customer relationship because this is the only place I look for in high-end clothing. I also hope that you will deeply consider this request and look forward to your reply."
Bump
@Anonymous wrote:Hi guys,
I am writing a letter to Bloomingdales asking them to remove the negative account for a one time late 30 day payment. How does this look? Please C&C and Thanks for your time.
"Dear Bloomingdales Credit Services:
I recently pulled my credit report and noticed that I have a negative account according to the Credit Agency Transunion. My account numbers is edited and have been a Bloomingdale’s Insider since February of 2010. I am writing to you as a concerned customer if you are willing to make a “goodwill” adjustment on the reporting of this account to the three credit agencies to have this removed. I have a 30 day late payment on the account for the month of September of 2010. Every other month thereafter has been in good standing and there is currently no balance.
If I recall, I remember being notified via a phone call that I was going to be late making a payment on weekend, I told the sales representative instantly that I will pay the following business day since this has been brought to my attention. Immediately the next day I paid the monthly payment, which included the late payment fee. I do not contest about this late payment fee; I just didn’t think this would be a problem since the minimum payment was only $25. I have a full time job, $25 I know I would have been able to pay this off. I just lost track of time and was busy working. Working in the Tax department and having an October 15th deadline can be extremely hectic at times. I should have been more responsible and setup automatic bill pay. If you look at my attached credit report from Transunion, you will see that I have an exceptional payment history. This one negative derogatory account has since been affecting my credit immensely. I would like you to consider removing the negative payment from my credit report.
Springtime is coming up and I could use a new wardrobe, as a solution to this problem and to prevent this from ever occurring again, I will now use automatic bill payments.
I hope that Bloomingdales is willing to work with me on erasing this mark from my credit reports. I have been a happy customer and I recommend and tell all my friends about the savings they can receive from subscribing to the email newsletter that you periodically send out. I hope to maintain this customer relationship because this is the only place I look for in high-end clothing. I also hope that you will deeply consider this request and look forward to your reply."
A question... missing a payment by a couple of days should not cause a 30 day late. You'd have to let it go unpaid for a whole statement cycle. Is that what happened?
I've written a couple of GW letters that have been successful and I've always used a very apologetic tone. (i.e. I'm sorry. Yes, the records are correct. I was going through a hard time.... xxx has always been a great company to work with and I will continue to do business with you , etc. etc. Generally, I went for I"m sorry I messed up please forgive me route) Of course, YMMV.
To be honest I don't remember what happened, but I do recall getting a call from Bloomingdales on a weekend telling me that I was going to be late and to please pay. I paid the next day with a late fee. Late fee cost me $35 and the miminum payment was only $25. What I get for being irresponsible.
Do you think my tone is good? Should I be more apologetic?
Good luck with them. I heard they are not too bad with 30 day lates, but I know from experience that they will not budge with a CO. Thank god it falls off in Feburary 2013.
Does anyone have the contact information for Bllom DSNB?