topic Re: Good Will Letters Work! in Credit Cards

Good Will Letters Work!

Anonymous — Fri, 09 May 2008 13:41:13 GMT

After waiting almost 4 weeks, GE/CareCredit finally responded and is removing a 60-day late from 01/2006 and several 30-day lates from 2005/2004. Due to the age, I didn't think that it would make too much difference, but already seeing a 30+ score increase across the boards (well, except Experian which posts like a snail).

Still working on WaMu - they declined my first request. Sent another letter and hoping for the best. That one is killing me - 30-day late in 01/2008. I have been so careful not to miss any payments for a very long time and that one was a complete mishap on my part.

If they don't respond kindly, I will try again - this time writing the president of WaMu. LOL.

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 14:50:27 GMT

Good job!! I'm trying to get some old lates removed from a couple of paid auto loans. Hope I have the same good luck!

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 16:10:03 GMT

where can i find more info on these letters?? is there a sample of a letter?? tia

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 17:42:38 GMT

If you look in the Scoring 101 thread stickied in the General forum it should have a link to samples.

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 19:38:45 GMT

I used the sample found in Scoring 101 thread.

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 20:13:22 GMT

Congratulation, NC Sue!

I'm in a similar situation, but it's been about 3 weeks for me, and I haven't heard back from GEMB yet. What address did you use for the GW letter? How did they respond (did they send you a letter confirming the GW deletion, or did the lates just disappear from your credit report)? Would you mind posting the letter (suitably censored, of course) here or sending it to me in a private message?

My situation is a little different, in that the single 30-day late was rather recent (Jan 2008), and I haven't used the account since (paid it off right after the late in exchange for getting some late fees reversed). Also, it's a joint account with my DG, and she was actually the one using it and (not) paying it.

Thanks!
Bob

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 21:18:31 GMT

Bob - I sent a Private Message with the letter I sent. As you can see, I poured it on pretty thick, but it worked.

Re: Good Will Letters Work!

Anonymous — Fri, 09 May 2008 22:28:10 GMT

yea these letters...I have one 30 day late from Feburary 06 with Macys...anyone had luck with them?

HELP! NEED TO REMOVE 60-DAY FLAG!!!

Anonymous — Sat, 10 May 2008 01:13:17 GMT

How many good will letters does it take? Do you have to dispute the inaccuracy with specific details or can you just politely ask them to remover it?

Re: HELP! NEED TO REMOVE 60-DAY FLAG!!!

Anonymous — Sat, 10 May 2008 01:38:45 GMT

@Anonymous wrote:
How many good will letters does it take? Do you have to dispute the inaccuracy with specific details or can you just politely ask them to remover it?

The nature of a "goodwill" request is that the information is technically accurate, and you are asking the company for a favor to keep you happy as a customer. If you dispute any details, you may put them off or confuse the issue.

Re: Good Will Letters Work!

Anonymous — Mon, 19 May 2008 20:02:57 GMT

I just got a letter from GEMB today, and they say they will delete my one 30-day late from all credit agencies! Yay! Well, actually what they said was that they will delete "all derogatory information", but the only derogatory information I have on record is the 30-day lates. It does work! Mine took almost exactly 4 weeks as well. Now I'm gonna wait until that removal shows up on my free reports via Privacy Guard, and then buy my FICO's again and see how much it goes up. I think this should get me to 720 for sure! Yay!

Re: Good Will Letters Work!

lizabeth — Mon, 19 May 2008 22:41:13 GMT

i just finally got back a letter from MACY'S about a month after sending it.
and for the record, i had no real reason for the lates...i simply put they were an 'oversight'...
they removed all derogatory information (2 30 day lates) and even apologized for any inconvenience it caused me!
that is the nicest thing ever!!!

too bad i cant get the big bad wells fargo to change their ways.
ive sent 3 already and somehow they all find their way back to the SAME CUST SERVICE REP.
im gonna try one more letter in a few days to a completely different state and then i give up.

Re: Good Will Letters Work!

fishbjc — Mon, 19 May 2008 23:37:23 GMT

Any acct serviced by gemb seems to grant gw pretty easily. I hit up Dillard's and Penneys and they both granted gw.

I've heard that Macy's is VERY easy to get gw.

I CALLED JC and they couldn't have been nicer!

Re: Good Will Letters Work!

Anonymous — Thu, 26 Jun 2008 00:57:48 GMT

Thought I give a current status - the GEMB lates came off EX and EQ - TU is being a pain. I keep sending them letters with copy of CC letter - send me back form with lates still on.

Wrote a letter to the Pres of TU on Monday via priority - let's set where that goes.

WAMU denied, but I am going to ask for recon as soon as GEMB comes off my TU.

Re: Good Will Letters Work!

Anonymous — Thu, 26 Jun 2008 12:45:53 GMT

*sigh*

I tried to gw my one 30-day late with JCP online via account email and I got the "we are reporting accurately" response. I mailed them a letter 6/6 and have yet to hear anything back

Re: Good Will Letters Work!

Anonymous — Wed, 27 Aug 2008 14:41:10 GMT

Sue,

Is there any way you can send me a edited copy as well?

I'm in a situation similar to Bob, where my lates aren't that long ago.

They are with Kohls Department Store (Chase) and I called Kohls and they refused to remove them. So I thought I would try a letter instead. I'd love to see how thick you poured it on and use that as a starting point!

Thanks,
Jen

Re: Good Will Letters Work!

Anonymous — Mon, 29 Sep 2008 12:33:37 GMT

Can you send me a copy of your goodwill letter to remove the lates also! Thanks!

Re: Good Will Letters Work!

Anonymous — Thu, 02 Oct 2008 12:34:15 GMT

Hello NC_Sue - Can you send me a copy of the letter you sent GE Im not sure what to say.

Thanks!

Re: Good Will Letters Work!

Anonymous — Sat, 04 Oct 2008 14:21:13 GMT

@Anonymous wrote:
*sigh*
I tried to gw my one 30-day late with JCP online via account email and I got the "we are reporting accurately" response. I mailed them a letter 6/6 and have yet to hear anything back

Keep trying! Send to every address you can find! It'll cost you some postage, but every time one of these suckers falls off, you know its worth it. It's kind of fun for me. I send 2 a week to each of my OCs/ CAs ... and to all the addresses. It's dumb, but last week I wrote them all out by hand (slow work week) and this week I printed them out with little ghosts for Halloween. It's mostly just entertaining me, really. Ha. But sure enough, yesterday a CA dropped a collection! Who knows which address worked?! Persistence is key here.