topic Re: Feedback on GW letter please? in General Credit Topics

Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

dandaman — Tue, 25 Jul 2023 16:48:13 GMT

Originally this post was a bid for someone to give me feedback on my letter below which I emailed to Amex yesterday. I just got a call from Amex Executive team saying that they reviewed my account and determined I was eligible for a GW delete and I would see it in 30-45 days. I can't believe it. This was my first attempt.

Hi,

Can you provide some feedback on this letter? This is my first stab at doing this and I would really appreciate any insight. Thank you!

RE: Account # ending -XXXXX

Hello,

Thank you for your time and I really appreciate you hearing my request.
In March of 2023 I made a couple of small but very consequential oversights which resulted in me not paying my balance on time.

Can you please see that the late payment mark in my credit report is removed on the basis of goodwill?

Yes, this was completely my fault and I have fixed the problem so it won’t ever happen again. I was also going through some stressful personal/health issues with my teenage daughter that contributed to me not keeping the best eye on my finances at the time.

Here’s what happened:

I did not set up Autopay successfully when I received my new Skymiles card. Apparently I entered the bank information, but I failed to turn it on. This was my first mistake.
My next mistake was not seeing the payment reminder emails. I had a previous card with Amex that I was getting marketing emails for and I forgot to disable a filter I had in place to redirect Amex emails away from my primary inbox in order to keep it more focused.

The first I heard of the problem was when my credit monitoring service alerted me of the late payment in May of 2023. I thought that it was a mistake because certainly I had everything in order. The moment I got the notice, I logged into my Amex account, paid the amount due and turned on Autopay. This is the first bad mark in my credit in over 24 years and it comes at a terrible time. I went from having Excellent credit during my entire adult life to Poor credit seemingly overnight. Ironically, this comes when I’m in the most financially secure position of my life.

Of course, it was due to the above mistakes which I have learned from and corrected. I’m very sorry for the oversight and I would be so grateful if you could remove this mark from my credit history. I assure you it will NEVER happen again.

Sincerely yours,

Re: Feedback on GW letter please?

SouthJamaica — Mon, 24 Jul 2023 18:11:12 GMT

@dandaman wrote:
Hi,
Can you provide some feedback on this letter? This is my first stab at doing this and I would really appreciate any insight. Thank you!

RE: Account # ending -XXXXX
Hello,
Thank you for your time and I really appreciate you hearing my request.
In March of 2023 I made a couple of small but very consequential oversights which resulted in me not paying my balance on time.
Can you please see that the late payment mark in my credit report is removed on the basis of goodwill?

Yes, this was completely my fault and I have fixed the problem so it won’t ever happen again. I was also going through some stressful personal/health issues with my teenage daughter that contributed to me not keeping the best eye on my finances at the time.

Here’s what happened:
I did not set up Autopay successfully when I received my new Skymiles card. Apparently I entered the bank information, but I failed to turn it on. This was my first mistake.
My next mistake was not seeing the payment reminder emails. I had a previous card with Amex that I was getting marketing emails for and I forgot to disable a filter I had in place to redirect Amex emails away from my primary inbox in order to keep it more focused.
The first I heard of the problem was when my credit monitoring service alerted me of the late payment in May of 2023. I thought that it was a mistake because certainly I had everything in order. The moment I got the notice, I logged into my Amex account, paid the amount due and turned on Autopay. This is the first bad mark in my credit in over 24 years and it comes at a terrible time. I went from having Excellent credit during my entire adult life to Poor credit seemingly overnight. Ironically, this comes when I’m in the most financially secure position of my life.

Of course, it was due to the above mistakes which I have learned from and corrected. I’m very sorry for the oversight and I would be so grateful if you could remove this mark from my credit history. I assure you it will NEVER happen again.

Sincerely yours,

Looks good to me.

I'm not saying it will work, but I can't imagine a better way of approaching it.

Re: Feedback on GW letter please?

dandaman — Tue, 25 Jul 2023 16:49:25 GMT

@SouthJamaica Thank you very much. The letter worked in less than 24 hours! I'm so stoked

Re: Feedback on GW letter please?

SouthJamaica — Tue, 25 Jul 2023 17:19:54 GMT

@dandaman wrote:
@SouthJamaica Thank you very much. The letter worked in less than 24 hours! I'm so stoked

Wow, I'm very happy for you!!!

Re: Feedback on GW letter please?

FireMedic1 — Tue, 25 Jul 2023 19:13:09 GMT

Congrats! Isnt often you see results like that!

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

trader92 — Thu, 30 Nov 2023 23:39:41 GMT

Congrats! I am attempting an email now. What email did you send it? Can you provide or DM?

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

ziggy29 — Wed, 20 Dec 2023 22:48:06 GMT

Nice. That had to be a good feeling. And, knowing my recent brush with a potential late payment on my credit report that I was fortunate to avoid, I know the feeling of examining your monitoring to make sure it never happens again. I had already drafted most of the goodwill letter.

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

IntegerIntrovert — Thu, 21 Dec 2023 03:37:29 GMT

Great story, thanks for sharing!

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

BuckyB — Thu, 21 Dec 2023 04:18:09 GMT

Thanks for this, I sent this to a friend as a template for her own letter.

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

Sunflowerhippi — Thu, 08 Feb 2024 18:26:34 GMT

What address did you send that to? Could you let me know if you still have it. thanks!

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

CorpCrMgr1 — Fri, 09 Feb 2024 16:54:48 GMT

Everyone may wish to save this letter. You never know when it could happen to you.

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

Getmycreditback — Mon, 12 Feb 2024 03:47:31 GMT

I wonder if this will work on Capital One. I hear they're pretty strict and mean

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

CorpCrMgr1 — Mon, 12 Feb 2024 20:12:17 GMT

@Getmycreditback wrote:
I wonder if this will work on Capital One. I hear they're pretty strict and mean

It should work.

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

taquito09 — Thu, 18 Jul 2024 18:54:05 GMT

Currently in a similar situation and trying to get my Charge off removed as GW delete. Which email address did you use to send your letter?

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

MissLiz — Thu, 18 Jul 2024 18:59:39 GMT

@taquito09 OP hasn't posted in a year and their GW was for a single late; you're asking for a CO GW.

Re: Amex Goodwill Letter worked in less than 24 hours! Wooooohoooo!

Zoostation1 — Sat, 20 Jul 2024 22:43:08 GMT

Congrats!