topic Re: GW success on lates! in Rebuilding Your Credit

GW success on lates!

KateInquires — Tue, 07 Jun 2022 02:06:08 GMT

Hey Fico fam!

I posted this in my personal progress thread but thought I would share this in case it helps anyone. I had 3 30-day lates reporting on my Kohls/Cap one card from 2020. I emailed the CEO and just honestly explained the situation (I was going through a career change one week before all heck broke loose in the world with Covid).

I know there have been some awesome GW templates and very formal/official language in them. I'm sure those work too but once in a while it helps to just be human and be humble- admit your mistakes. Anyway, it was very brief and I didn't actually expect anything to come of it. Well I recieved a phone call from an executive at Kohl's and wow, a completely down to earth and caring woman! The lates were removed from my report immediately (she said could be 30 days but it was like 30 minutes).

Moral of the story is you really do miss 100% of the shots you don't take! Made a big difference in my score to have 100% positive payments!

Re: GW success on lates!

IamWesty12 — Tue, 07 Jun 2022 02:21:53 GMT

@KateInquires congrats, this is great news for you and gives great hope for others!!!! You are so correct, we will never know about things we don't attemp!! Sweet, happy for you and your credit reports, lol!

Re: GW success on lates!

chiefone4u — Tue, 07 Jun 2022 02:34:44 GMT

Congratulations! Very well done. I think a personal touch goes further for most of these companies. I can only imagine how many boilerplate templates they see every day because "it worked for someone else it will work for me".

I hate hearing no, but have tried hard to get past that fear and relay on here often that no one can tell you yes if you don't ask.

Re: GW success on lates!

babygirl1256 — Tue, 07 Jun 2022 02:43:51 GMT

Congrats on your GW success . . . nothing beats a failure but a try . . . if it's a no, you lose nothing . . . if it's a yes, then it's your gain!!!

Re: GW success on lates!

FireMedic1 — Tue, 07 Jun 2022 08:40:59 GMT

Congrats @KateInquires . Persistance pays off at times.

Re: GW success on lates!

OmarGB9 — Tue, 07 Jun 2022 16:48:11 GMT

Congrats!

Re: GW success on lates!

Veronik2019 — Thu, 16 Jun 2022 15:25:17 GMT

@KateInquires wrote:
Hey Fico fam!
I posted this in my personal progress thread but thought I would share this in case it helps anyone. I had 3 30-day lates reporting on my Kohls/Cap one card from 2020. I emailed the CEO and just honestly explained the situation (I was going through a career change one week before all heck broke loose in the world with Covid).
I know there have been some awesome GW templates and very formal/official language in them. I'm sure those work too but once in a while it helps to just be human and be humble- admit your mistakes. Anyway, it was very brief and I didn't actually expect anything to come of it. Well I recieved a phone call from an executive at Kohl's and wow, a completely down to earth and caring woman! The lates were removed from my report immediately (she said could be 30 days but it was like 30 minutes).
Moral of the story is you really do miss 100% of the shots you don't take! Made a big difference in my score to have 100% positive payments!

Thats so great! I also have a late payment from last year i would love to have removed. Do you mind to PM that email? Thank you

Re: GW success on lates!

gdale6 — Thu, 16 Jun 2022 15:56:35 GMT

@Veronik2019 wrote:
@KateInquires wrote:
Hey Fico fam!
I posted this in my personal progress thread but thought I would share this in case it helps anyone. I had 3 30-day lates reporting on my Kohls/Cap one card from 2020. I emailed the CEO and just honestly explained the situation (I was going through a career change one week before all heck broke loose in the world with Covid).
I know there have been some awesome GW templates and very formal/official language in them. I'm sure those work too but once in a while it helps to just be human and be humble- admit your mistakes. Anyway, it was very brief and I didn't actually expect anything to come of it. Well I recieved a phone call from an executive at Kohl's and wow, a completely down to earth and caring woman! The lates were removed from my report immediately (she said could be 30 days but it was like 30 minutes).
Moral of the story is you really do miss 100% of the shots you don't take! Made a big difference in my score to have 100% positive payments!
Thats so great! I also have a late payment from last year i would love to have removed. Do you mind to PM that email? Thank you

The email can be found at ceoemail.com

Re: GW success on lates!

Veronik2019 — Thu, 16 Jun 2022 21:44:43 GMT

The email can be found at ceoemail.com

I checked and there is no info on Kohls

Re: GW success on lates!

OmarGB9 — Fri, 17 Jun 2022 00:51:55 GMT

@Veronik2019 wrote:
The email can be found at ceoemail.com
I checked and there is no info on Kohls

Kohl's is owned by Capital One, so look for the Capital One CEO email.

Re: GW success on lates!

sectionals — Sat, 18 Jun 2022 06:14:03 GMT

Awesome @KateInquires! Do they report as on time now? Was thinking of doing something similar. Rebuilding right now and I think that would help me tremendously.

Re: GW success on lates!

KateInquires — Sat, 18 Jun 2022 22:34:00 GMT

Yes! My kohls card now shows perfect payment history. I think it helps that the lates were from 2020 and I have never been late since.

Re: GW success on lates!

righthererightnow — Sun, 19 Jun 2022 19:38:15 GMT

Awesome!! Congrats!! It's always so good to see that the world is human too, hear about how things work out when you show up and start rebuilding. Beautiful to read!!