Hi,
I forgot to pay a small balance on kohls charge a few months ago. I didn't even realize the 30day overdue was reported to credit bureau until recently I pulled a report to get loan approval and was surprised by the score.
I googled and came across a few helpful posts from this forum. What I did was to write an honest email to the CEO of kohls explaining the issue and requesting the bad record to be removed from the three agencies. I didn't expect it to be handled so efficiently. Two days after the email, I received a call from ceo office telling me the issue is taken care of and I also received a written letter days later formally stating that it is done.
I would like to thank for all the ppl who shared similar experience and successful stories.
A few tips:
1. Write your own letter. Be personal. show how trustworthy you are.
2. You can find the email address from investor relations section on the website, as kohls is a public company.
3. Kohls now has autopay option. Set it up! Don't forget it a second time!
