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Repetitive Goodwills pay off!!

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sharriel
Frequent Contributor

Repetitive Goodwills pay off!!

I had a $125 collection that I paid awhile ago and the dozen CA reps that I spoke with sais they do not delete.  After doing some research, I found the CEO of the CA's email address.  After emailing him every week for the last 6 weeks, I finally get this response!

 

In response to your email below; please see attached letter.  Our office will be notifying Equifax today to remove this from your credit file.  However, once the request is sent to Equifax it could take 24 – 48 hours to be completely removed from your credit file. 

 

 


WOOHOO!! I'm so excited!!!  Here is the letter that I wrote:

 


Re: Northstate Telephone Account#2124XXXX
 

Acct: 2124XXXX   Amount $125.00


I am writing this letter in order to request your help and understanding.  I was not aware that North State Telephone charged me for an entire month of service because I turned my equipment in a week late.  The account was sold to your company. I pulled my credit and saw it on my reports. I paid this account the same day as I found out about it. My family and I are currently trying to obtain a mortgage for a home. The account is showing “Paid” but is still showing as the only collection account and hurting my credit score. I only need 50 more points to qualify for the loan. I would like to request that your company have some mercy on me and please make a “Goodwill Adjustment” and remove this account from the credit reporting agencies. Your kind gesture would be sincerely appreciated by my family and me. I would like to thank you in advance for any help you may provide. You may contact me through my address above or email at XXX (would prefer email).  Thank you again!


Yours truly,

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 1 of 8
7 REPLIES 7
guiness56
Epic Contributor
Message 2 of 8
DaBears
Senior Contributor

Re: Repetitive Goodwills pay off!!

Message 3 of 8
ABuckNow
Contributor

Re: Repetitive Goodwills pay off!!

Nice work, congrats!

If you don't mind me asking, what CA was it?

 

Message 4 of 8
Shogun
Moderator Emeritus

Re: Repetitive Goodwills pay off!!

They can say no 1000 times, but it only takes one yes. Smiley Wink

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 8
roniram
Regular Contributor

Re: Repetitive Goodwills pay off!!

Great news!  Persistance pays off!  Congrats!

Venture 10K /NFCU Platinum 6.6K /Amazon 6.6K/ Walmart 3.3K /Cap 1 QS1 1.65K /Cap 1 Platinum 1.15K /Show MC 1.1 /Amex BCE 1K /Chase Freedom 1K / NFCU Cash Rewards 500/
Starting Score: 6/1/13 TU 566 EXP 632 EQ 611
Current Score: 09/13/21 TU 726 EXP 717 EQ 718
Goal Score: 740 Across the Board
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Message 6 of 8
sharriel
Frequent Contributor

Re: Repetitive Goodwills pay off!!

Thanks everyone! I would have never known how to do this without you all! I am forever grateful!

 

It was First Point Collections, a little rinky dink CA in NC.

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 7 of 8
sharriel
Frequent Contributor

Re: Repetitive Goodwills pay off!!

This has been removed!! No Fico update yet but I got a 13 point increase on EQ!

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 8 of 8
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