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Valued Member
breakdown1987
Posts: 33
Registered: ‎12-25-2010

hsbc goodwill success

[ Edited ]

Recently was able to goodwill hsbc. heres the backstory. In 2008 I was approved on a bestbuy credit card through hsbc. When I went to activate the card, I was transferred to someone in India. She didn't speak good English at all. While activating my card she kept insisting I sign up for credit keeper, in which would be billed monthly to this new card. I kept telling her no, but she kept insisting. When it was all said and done, I thought I got the point across, I wasn't interested however she pulled a fast one and signed me up anyway.

 

For the next 3 months, I was living at home, on campus, off campus, had a po box. Well, this credit keeper sent my account past due 90 days. I had never received a bill, and when I finally found out I paid it off, and HSBC closed the account. I had planned to fix this right away but with, school, work, and life, I was slammed and put this aside.

 

Fast forward 2 years, yup it was still there. I'm looking at buying a house and trying to boost my score as much as possible. Was able to find a decent goodwill letter online tweak it and mail it. A week later, myfico notified me that the 90 day late was removed and the account was closed in good standing. Never personally heard from hsbc, I just know someone removed it.

 

Here's the letter I used. Hope I'm not breaking any rules by posting it.

 

To Whom It May Concern:

I am writing to you concerning a collection enacted against me on March of 2008. In March of 2008, I opened a HSBC/Best Buy account with a limit of $900. I had never actually purchased anything with this account. There was infact some sort of ‘credit monitoring service’ that was associated with the account. Unfortunately I was never aware of this, and the small monthly fee is what sent the account past due.

 In 2008, I was moving back and fourth a lot because I was attending an out of State University. For whatever reason, I did not receive the bill they mailed me. Once I discovered this collection on a credit report did I realize that I owed a balance of $31 (if my memory serves me correctly) which I promptly paid in full In September of 2008.

I am writing asking you to delete this negative information from my credit history.  I have always had a stable income from a full time job and would have easily paid my balance if I had known about it.  I have never been late paying any bill, credit card, or loan, other than this collection. My credit history is excellent.  Honestly, I feel a little silly having a negative mark on my credit report for such a relatively small amount of money. In conjunction with an account I had never used!

I am shopping for a home mortgage and negative reports such as this may preclude me from receiving a good interest rate or even qualifying for a loan at all.  Since this past collection does not reflect my current ability to pay my balances on time I am asking you to please ask the credit agencies to delete it from my record.  Since this collection record will be removed from my history in a few years anyway, I am kindly asking you to erase it just a little earlier.  I know that you are under no such obligation to do so, but I am begging you to show some goodwill and help assist me and my family in our search for a good home.  Please let me know if any additional information would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Sincerely,



Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: hsbc goodwill success

Good letter. Congratulations on being able to get that bad mark off your reports. Hopefully your letter will help someone else in a similar situation.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: hsbc goodwill success

Where did you send your HSBC good will to? I have had a lot of luck with most places, but these guys are eluding my grasp! haha

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Established Member
rocar83
Posts: 14
Registered: ‎08-17-2011

Re: hsbc goodwill success

Congrats on your deletion. Could you pm the address you sent the letter to? thanks 

Valued Member
ErinW43
Posts: 53
Registered: ‎07-18-2011

Re: hsbc goodwill success

Congatulations! Can you message me the address you used? I just sent a letter to them for a late from 2006. Thanks!

Frequent Contributor
snowangel
Posts: 291
Registered: ‎07-29-2011

Re: hsbc goodwill success

Would also appreciate the address.  Had a 60 day with them in 07 and haven't been able to get it removed. 

 

Btw, great letter and congrats!

 



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Established Member
beautifulonyx
Posts: 13
Registered: ‎02-03-2011

Re: hsbc goodwill success

Congratulations on your success with this! Can you PM the address you used? Ive been trying to get through to these guys as well.

 

Thanks

Current Scores: TU Fico - 590 and EQ Fico - 576
Goal - 700!
New Member
brooke729
Posts: 5
Registered: ‎08-30-2011

Re: hsbc goodwill success

COngrats. could you PM me the address as well?

Regular Contributor
winstars
Posts: 158
Registered: ‎06-27-2011

Re: hsbc goodwill success


breakdown1987 wrote:

Recently was able to goodwill hsbc. heres the backstory. In 2008 I was approved on a bestbuy credit card through hsbc. When I went to activate the card, I was transferred to someone in India. She didn't speak good English at all. While activating my card she kept insisting I sign up for credit keeper, in which would be billed monthly to this new card. I kept telling her no, but she kept insisting. When it was all said and done, I thought I got the point across, I wasn't interested however she pulled a fast one and signed me up anyway.

 

For the next 3 months, I was living at home, on campus, off campus, had a po box. Well, this credit keeper sent my account past due 90 days. I had never received a bill, and when I finally found out I paid it off, and HSBC closed the account. I had planned to fix this right away but with, school, work, and life, I was slammed and put this aside.

 

Fast forward 2 years, yup it was still there. I'm looking at buying a house and trying to boost my score as much as possible. Was able to find a decent goodwill letter online tweak it and mail it. A week later, myfico notified me that the 90 day late was removed and the account was closed in good standing. Never personally heard from hsbc, I just know someone removed it.

 

Here's the letter I used. Hope I'm not breaking any rules by posting it.

 

To Whom It May Concern:

I am writing to you concerning a collection enacted against me on March of 2008. In March of 2008, I opened a HSBC/Best Buy account with a limit of $900. I had never actually purchased anything with this account. There was infact some sort of ‘credit monitoring service’ that was associated with the account. Unfortunately I was never aware of this, and the small monthly fee is what sent the account past due.

 In 2008, I was moving back and fourth a lot because I was attending an out of State University. For whatever reason, I did not receive the bill they mailed me. Once I discovered this collection on a credit report did I realize that I owed a balance of $31 (if my memory serves me correctly) which I promptly paid in full In September of 2008.

I am writing asking you to delete this negative information from my credit history.  I have always had a stable income from a full time job and would have easily paid my balance if I had known about it.  I have never been late paying any bill, credit card, or loan, other than this collection. My credit history is excellent.  Honestly, I feel a little silly having a negative mark on my credit report for such a relatively small amount of money. In conjunction with an account I had never used!

I am shopping for a home mortgage and negative reports such as this may preclude me from receiving a good interest rate or even qualifying for a loan at all.  Since this past collection does not reflect my current ability to pay my balances on time I am asking you to please ask the credit agencies to delete it from my record.  Since this collection record will be removed from my history in a few years anyway, I am kindly asking you to erase it just a little earlier.  I know that you are under no such obligation to do so, but I am begging you to show some goodwill and help assist me and my family in our search for a good home.  Please let me know if any additional information would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Sincerely,



Yes it's a great letter indeed and congrats on getting it done!!!! Like others here, can you please pm me the info you used for victory????

 



Starting Score: TU-685 (FICO) EQ-674 (FICO) EX-713 (PLUS SCORE FAKO)
Current Score: TU-800 (FICO) EQ-812 (FICO) EX-800 (PLUS SCORE FAKO)
Goal Score: 815


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Valued Member
breakdown1987
Posts: 33
Registered: ‎12-25-2010

Re: hsbc goodwill success

thanks, i responded to all you guys. good luck


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