topic Well, I got a response! in Rebuilding Your Credit

Well, I got a response!

Anonymous — Thu, 23 Apr 2009 16:11:57 GMT

Dear Mrs Q -

Thank you for your email, and especially your nice words about dressbarn. I am pleased to hear that you are a "very happy customer".

With respect to your credit concerns, I have referred your email to the bank that handles our credit card and have asked them to take another look at your record. I believe someone from there will be in touch with you.

I hope this works out for you, and I appreciate your patronage of dressbarn.

Sincerely,
Mr CEO

From: Mrs Q
To: Mr CEO
Cc: Sent: Wed Apr 22 19:54:45 2009
Subject: In your GoodWill- Please delete

Mrs Q

My address

April 22, 2009

WFNNB/Dress Barn

4590 E Broad St

Columbus, OH 43213

Re: Acct#

Dear Creditor:

I have been a Dress barn customer since 2007 and during that time, I have enjoyed my experience with Dress Barn greatly. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to November 2007. Since that time I have been an exceptional customer paying every month on time.

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of caring for a newborn. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Dress Barn is willing to work with me on erasing this mark from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with Dress Barn. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. Dress Barn has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Dress Barn is heads above the rest. I look forward to your reply.

Sincerely,

Mrs Q

Message Edited by MrsQ on 04-23-2009 07:21 AM

Message Edited by MrsQ on 04-23-2009 09:11 AM

Re: Well, I got a response!

Anonymous — Thu, 23 Apr 2009 14:11:38 GMT

And another not so promising:

Dear Mrs Q,

My name is XXX and I work for the office of Executive Escalations. I
want to personally thank you for contacting PayPal. Your concerns were
recently forwarded to our office for review in the hope that we might be
able to assist you further.

There are 2 ways you can contact the PayPal Credit Service Center for
information about your PayPal Buyer Credit account. You can:

1. Call 866-571-3012 (Monday-Saturday 4:00 AM to 10:00 PM, Sunday 7:00
AM to 7:00 PM PT)

2. Write to:

PayPal Buyer Credit
PO Box 981064
El Paso, TX 79998-1064

Here are some tips for contacting the PayPal Credit Service Center:

When you call, you should press 1 for your PayPal Buyer Credit account.
If you don't have your Buyer Credit account number on hand, say "I don't
have it," follow the prompts, and respond accordingly.
When contacting PayPal Credit Service by phone, we won't ask you for
your PayPal password, email address, or any financial information you've
registered to your PayPal account.

There are 2 ways you can contact the PayPal Credit Service Center for
information about your PayPal Buyer Credit account. You can:

1. Call 866-571-3012 (Monday-Saturday 4:00 AM to 10:00 PM, Sunday 7:00
AM to 7:00 PM PT)

2. Write to:

PayPal Buyer Credit
PO Box 981064
El Paso, TX 79998-1064

Here are some tips for contacting the PayPal Credit Service Center:

When you call, you should press 1 for your PayPal Buyer Credit account.
If you don't have your Buyer Credit account number on hand, say "I don't
have it," follow the prompts, and respond accordingly.
When contacting PayPal Credit Service by phone, we won't ask you for
your PayPal password, email address, or any financial information you've
registered to your PayPal account.

Again, thank you for this opportunity to address your concerns. The
success of the PayPal service has occurred one successful transaction at
a time. As a result, we truly appreciate the opportunity to respond to
the concerns of our online community. If you require assistance on any
other matter, please feel free to contact me directly. I can be reached
by e-mail at @paypal.com

Sincerely,
Escalations
Executive Escalations
PayPal, an eBay Company

Re: Well, I got a response!

Anonymous — Thu, 23 Apr 2009 16:11:19 GMT

Im sorry I am bumping this, but I am really excited to actually get a response from the CEO. Even if there were no promises made, the fact that he took the time to reply means alot to me.

Re: Well, I got a response!

Anonymous — Tue, 05 May 2009 00:43:02 GMT

Well, I checked my Experian report today, and this was updated as never late! I am so excited. My first GW that worked!

Thank you all!

Re: Well, I got a response!

Anonymous — Tue, 05 May 2009 00:51:54 GMT

Congrats!!! Hopefully Kohl's will do the same for me.

Re: Well, I got a response!

Anonymous — Sun, 28 Jun 2009 16:03:37 GMT

New to this site. I had a situation happen where I elected e-statements from Dress Barn. Well, I did not receive notification that the statement was issued by e-mail. I had forgotten about the actual charge, and actually thought I had already paid it. Anyhow the amount was $97.97 from April 09. Well, on 6/21/09 I received a call from someone at WFNNB representing Dress Barn telling me I was late by 2 months and this will go on my credit report - the total was now at $142.14. I paniced and paid in full that day incurring an additional $10 fee to do so. In 44 years, I have never missed a payment, always paid in full and always on time. My credit before this situation was at 787, now Dress Barn reported me as 30 days late and the score dropped to 722. What do you suggest I do at this point? I'm just devastated by this b/c I'm a very responsible person. Any ideas?

Re: Well, I got a response!

Anonymous — Sun, 28 Jun 2009 23:16:53 GMT

@Anonymous wrote:
New to this site. I had a situation happen where I elected e-statements from Dress Barn. Well, I did not receive notification that the statement was issued by e-mail. I had forgotten about the actual charge, and actually thought I had already paid it. Anyhow the amount was $97.97 from April 09. Well, on 6/21/09 I received a call from someone at WFNNB representing Dress Barn telling me I was late by 2 months and this will go on my credit report - the total was now at $142.14. I paniced and paid in full that day incurring an additional $10 fee to do so. In 44 years, I have never missed a payment, always paid in full and always on time. My credit before this situation was at 787, now Dress Barn reported me as 30 days late and the score dropped to 722. What do you suggest I do at this point? I'm just devastated by this b/c I'm a very responsible person. Any ideas?

I would deflinitely do a PFD! Explain the situation and try Snail-mail, email, Planet Feedback, all of the above.

Re: Well, I got a response!

JoeBJay20 — Mon, 29 Jun 2009 16:15:54 GMT

@Anonymous wrote:
@Anonymous wrote:
New to this site. I had a situation happen where I elected e-statements from Dress Barn. Well, I did not receive notification that the statement was issued by e-mail. I had forgotten about the actual charge, and actually thought I had already paid it. Anyhow the amount was $97.97 from April 09. Well, on 6/21/09 I received a call from someone at WFNNB representing Dress Barn telling me I was late by 2 months and this will go on my credit report - the total was now at $142.14. I paniced and paid in full that day incurring an additional $10 fee to do so. In 44 years, I have never missed a payment, always paid in full and always on time. My credit before this situation was at 787, now Dress Barn reported me as 30 days late and the score dropped to 722. What do you suggest I do at this point? I'm just devastated by this b/c I'm a very responsible person. Any ideas?
I would deflinitely do a PFD! Explain the situation and try Snail-mail, email, Planet Feedback, all of the above.

Actually she needs a GW, not a PFD.