https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733018#M671858 <P>So basically I was undiagnosed bipolar and didn't get diagnosed until 2020. And didn't get treatment until 2021. I had 3 charged off credit cards and an auto loan that I stopped paying on. Those were all in 2017 and will be removed this year (already gone from Transunion).</P><P>&nbsp;</P><P>That would be awesome, but... In my final manic episode I got a PayPal Credit card through Synchrony. Immediately maxed it out and stopped paying. Then I paid a couple months, crashed into a depression and stopped paying again... The delinquencies are:</P><P>&nbsp;</P><P>April 2020 - 30 days late</P><P>May 2020 - 60 days late</P><P>June 2020 - 90 days late</P><P>September 2020 - 30 days late</P><P>January 2021 - 30 days late</P><P>Then I paid it off in full.</P><P>&nbsp;</P><P>Since I started treatment, I haven't had a single delinquency. I've paid all my bills on time and now have $10k+ available credit. I also have a Care Credit card and an Amazon credit card in good standing, both through Synchrony. I wrote an email and sent it to a few Synchrony executives. One responded within a couple hours saying that delinquencies don't affect your score after 2 years (I wish...).&nbsp;</P><P>&nbsp;</P><P>The second response I got was from the office of the president. It said they will contact me within 2 business days, and if they don't, they'll mail me a letter within 10 business days. Unfortunately, it's been 20 business days, and I've only gotten radio silence. I followed up a couple times, but they just aren't responding at all..&nbsp;</P><P>&nbsp;</P><P>Hoping someone has some insight as I've seen a few posts saying they've had success with getting accounts removed. My life is seriously night and day different now that I've received treatment. I paid off all my debt, bought a $15k car and paid it off in one year and have gotten my Transunion Fico8 up to 700. I just really don't want to wait until 2028 to have this fall off because regardless of the algorithms used for scoring, it does not have any effect on my current creditworthiness. Thank you!</P> Wed, 17 Jan 2024 19:50:06 GMT larryfish96 2024-01-17T19:50:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733018#M671858 <P>So basically I was undiagnosed bipolar and didn't get diagnosed until 2020. And didn't get treatment until 2021. I had 3 charged off credit cards and an auto loan that I stopped paying on. Those were all in 2017 and will be removed this year (already gone from Transunion).</P><P>&nbsp;</P><P>That would be awesome, but... In my final manic episode I got a PayPal Credit card through Synchrony. Immediately maxed it out and stopped paying. Then I paid a couple months, crashed into a depression and stopped paying again... The delinquencies are:</P><P>&nbsp;</P><P>April 2020 - 30 days late</P><P>May 2020 - 60 days late</P><P>June 2020 - 90 days late</P><P>September 2020 - 30 days late</P><P>January 2021 - 30 days late</P><P>Then I paid it off in full.</P><P>&nbsp;</P><P>Since I started treatment, I haven't had a single delinquency. I've paid all my bills on time and now have $10k+ available credit. I also have a Care Credit card and an Amazon credit card in good standing, both through Synchrony. I wrote an email and sent it to a few Synchrony executives. One responded within a couple hours saying that delinquencies don't affect your score after 2 years (I wish...).&nbsp;</P><P>&nbsp;</P><P>The second response I got was from the office of the president. It said they will contact me within 2 business days, and if they don't, they'll mail me a letter within 10 business days. Unfortunately, it's been 20 business days, and I've only gotten radio silence. I followed up a couple times, but they just aren't responding at all..&nbsp;</P><P>&nbsp;</P><P>Hoping someone has some insight as I've seen a few posts saying they've had success with getting accounts removed. My life is seriously night and day different now that I've received treatment. I paid off all my debt, bought a $15k car and paid it off in one year and have gotten my Transunion Fico8 up to 700. I just really don't want to wait until 2028 to have this fall off because regardless of the algorithms used for scoring, it does not have any effect on my current creditworthiness. Thank you!</P> Wed, 17 Jan 2024 19:50:06 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733018#M671858 larryfish96 2024-01-17T19:50:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733156#M671869 <P>Every successful story I've seen regarding Synchrony goodwill removal came as a result of persistence, continuing to contact them, so that would be my advice... keep at it! Congratulations on getting treatment, and all your positive results.&nbsp;</P> Thu, 18 Jan 2024 14:26:32 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733156#M671869 JoeRockhead 2024-01-18T14:26:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733301#M671875 <P>Thank you, Joe! I'll keep at it and I may try mailing some physical letters as well</P> Fri, 19 Jan 2024 03:09:27 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6733301#M671875 larryfish96 2024-01-19T03:09:27Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6761214#M674052 <P>I'm looking for the email list that I should send my Goodwill attempt to. Can anyone point me in the right direction?</P> Wed, 15 May 2024 16:45:58 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Looking-for-advice-on-Synchrony-PayPal-Credit-goodwill-letters/m-p/6761214#M674052 BrighterFuture 2024-05-15T16:45:58Z