topic Re: Comenity - Late Payment Removal? in Rebuilding Your Credit

Comenity - Late Payment Removal?

kittycreditmeow — Tue, 08 Feb 2022 20:52:22 GMT

Has anyone had success or trouble getting a late mark removed with Comenity? It's thru Overstock and it's just one late payment. I sent them a goodwill letter asking if they could make an adjustment and remove the late but they sent me a letter declining the request but did not give a reason.

I actually submitted the payment on time but it was returned so then I made a new payment which caused it to be marked as late. Technically it's accurate, just thought they could forgive me.

Re: Comenity - Late Payment Removal?

FireMedic1 — Tue, 08 Feb 2022 22:39:47 GMT

How old is it? Just a 30?

Re: Comenity - Late Payment Removal?

brian1133 — Tue, 08 Feb 2022 23:26:10 GMT

I have a 30 and a 60 (12/19 and 01/200 and I just got my denial letter today. But what's crazy is that I gat an email raising my credit limit

@kittycreditmeow wrote:
Has anyone had success or trouble getting a late mark removed with Comenity? It's thru Overstock and it's just one late payment. I sent them a goodwill letter asking if they could make an adjustment and remove the late but they sent me a letter declining the request but did not give a reason.

I actually submitted the payment on time but it was returned so then I made a new payment which caused it to be marked as late. Technically it's accurate, just thought they could forgive me.

today.

Crazy....

Re: Comenity - Late Payment Removal?

kittycreditmeow — Thu, 10 Feb 2022 02:06:09 GMT

@FireMedic1

No, it's a late payment from like maybe 8 months ago. Card is still open and all my other payments have been on time.

Re: Comenity - Late Payment Removal?

kittycreditmeow — Thu, 10 Feb 2022 02:07:31 GMT

@brian1133

That is kinda funny but awesome that they were willing to do a cli. I'm just going to keep asking them until they remove the late.

Re: Comenity - Late Payment Removal?

krisssmmm — Fri, 11 Feb 2022 06:12:23 GMT

Send them a direct message on Twitter.

Re: Comenity - Late Payment Removal?

lulumomma — Mon, 18 Apr 2022 14:58:09 GMT

Hello. Did this work for you? I have sent multiple letters and I;m willing to try anything at this point. Thank you!

@krisssmmm wrote:
Send them a direct message on Twitter.

Re: Comenity - Late Payment Removal?

lulumomma — Mon, 18 Apr 2022 14:59:02 GMT

Good Morning. Were you able to get the GW adjustment?

Re: Comenity - Late Payment Removal?

krisssmmm — Wed, 27 Apr 2022 21:05:36 GMT

Yes this works. I got two lates removed last year. They will ask for your number and call you. Good luck.

Re: Comenity - Late Payment Removal?

Cjethompson2017 — Wed, 04 May 2022 04:01:22 GMT

@krisssmmm @Do you write out your entire letter? Or just ask for a call?

Re: Comenity - Late Payment Removal?

krisssmmm — Fri, 13 May 2022 00:01:42 GMT

I think I just asked for late payments to be removed off my credit report.

Re: Comenity - Late Payment Removal?

krisssmmm — Fri, 13 May 2022 00:25:34 GMT

Ignore the typos. I didn't include a letter, I just asked. They asked for verifying info, a few questions, then asked for my number. I was told they only do 2 max. Good luck.

Re: Comenity - Late Payment Removal?

8isnuf — Sun, 15 May 2022 14:59:10 GMT

I do not want to discourage anyone. I had one 30 day late payment and sent a goodwill letter. I recieved a response saying "no". I saw this thread and thought what's the harm. I just sent a direct message on Twitter and got an immediate reply with an attached letter instructing me on the process. Perhaps, I got an unwilling rep answering the Twitter messages today. I will keep trying whatever I can to get it resolved.

Re: Comenity - Late Payment Removal?

krisssmmm — Tue, 17 May 2022 19:54:06 GMT

Oh no. I'm sorry it didn't work for you. I know social media was working last year.

Re: Comenity - Late Payment Removal?

Kkasmarcik08 — Sat, 18 Jun 2022 16:21:21 GMT

I just had luck with this. I am trying to get a mortgage and it was the only bad thing on my report, they advised me to put in the letter that I'm trying to get a mortgage and it worked!

Re: Comenity - Late Payment Removal?

8isnuf — Sun, 26 Jun 2022 16:52:22 GMT

@Kkasmarcik08 Thanks for the information. No success yet but I will continue asking until my goal is accomplished. I appreciate additional information and all updates.

Re: Comenity - Late Payment Removal?

Rayyman — Tue, 17 Jan 2023 01:52:07 GMT

Following up on somewhat of an old thread.

Wanted to see if you had success with this yet? I am currently cleaning up my credit and the main thing holding me back is a few missed payments from 2022. Hoping to get most if not all of them removed and would love some feedback/guidance on how to

Re: Comenity - Late Payment Removal?

FireMedic1 — Tue, 17 Jan 2023 10:30:59 GMT

Welcome @Rayyman

The 2 posters above havent been here since 06/22. The one that had success was his only post. All you can do is write GW letters.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/td-p/4727098

Hint: Click on the username and it shows the join/post date.

Re: Comenity - Late Payment Removal?

8isnuf — Tue, 21 Feb 2023 03:01:57 GMT

I agree that the suggested method is a great approach generally. I did not post more about my situation because I was never able to get the one 30 day payment removed; however, I do not want to discourage anyone from trying something which might. I learned in sales years ago,

"every 'no' means you're one step closer to 'yes'".

Re: Comenity - Late Payment Removal?

gloverkevin — Fri, 24 Feb 2023 10:36:37 GMT

Use this:

[Your name]

[Your address]

Account Number: [Your account number]

[date]

[Creditor name]

[Creditor address]

To Whom It May Concern:

Thank you for taking the time to read this letter. I recently ordered a new credit report and noticed it contains [a late payment/payments] reported on [date/dates] for my [Creditor name] account.

I want you to know that I understand my financial obligations, and if it weren’t for [circumstance that caused you to miss a payment], I’d have an excellent repayment record. I made a mistake in falling behind, but [description of how your circumstances have changed or how you’ve improved your money management]. Since then, I’ve had a spotless record of on-time payments.

I’m planning to apply for [a mortgage/auto loan/etc.], and it’s come to my attention that the [missed payment] on my credit report could hurt my ability to qualify. I truly believe [these missed payments] don’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the [late payment/payments] on [date/dates].

Thank you for your consideration, and I hope you will approve my request.

Sincerely,

[Your name]