Goodwill

[Anonymous]

I wrote a goodwill letter to one of my creditors. I was short by $2.00 didn't realize it and got reported 30 days late over the $2.00 shortage. They told me that they don^

t do goodwill as it violates FCRA. Is that true? Creditor is a credit union by the way. 

[pizzadude]

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@Anonymous wrote:

I wrote a goodwill letter to one of my creditors. I was short by $2.00 didn't realize it and got reported 30 days late over the $2.00 shortage. They told me that they don^

t do goodwill as it violates FCRA. Is that true? Creditor is a credit union by the

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That's a fairly standard response, but they're not obligated to report to the CRBs.   The FCRA only mandates that reporting is accurate.

[Anonymous]

So basically it doesn't violates FCRA, they just don't want to goodwill. 

[pizzadude]

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@Anonymous wrote:

So basically it doesn't violates FCRA, they just don't want to goodwill. 

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Yeah that's pretty much it.   You can always keep trying, sometimes you'll get a different answer from a different person

[Anonymous]

I was pissed off so I filed a dispute with Experian about this past due for 2 bucks. I will write another letter to credit union higher ups as well. 

[pizzadude]

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@Anonymous wrote:

I was pissed off so I filed a dispute with Experian about this past due for 2 bucks. I will write another letter to credit union higher ups as well. 

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$2 is a rounding error for most banks, not sure if this was a credit card or some type of installment loan but if it was your last scheduled payment they could have easily written it off instead of dinging you for it.

[Anonymous]

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@pizzadude wrote:

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@Anonymous wrote:

I was pissed off so I filed a dispute with Experian about this past due for 2 bucks. I will write another letter to credit union higher ups as well. 

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$2 is a rounding error for most banks, not sure if this was a credit card or some type of installment loan but if it was your last scheduled payment they could have easily written if off instead of dinging you for it.

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It is a credit card, paid $89 instead of $91. 

[Anonymous]

I think that is horrible that any bank would give you a 30 day late over a $2 honest mistake. You need to send demand letters that they remove that to the credit bureaus. I am sure they will handle it for you

Thanks

Mark

[Anonymous]

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@Anonymous wrote:

I think that is horrible that any bank would give you a 30 day late over a $2 honest mistake. You need to send demand letters that they remove that to the credit bureaus. I am sure they will handle it for you

Thanks

Mark

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Who should I send a demand letter to? I tried that already with the CU after goodwill. 

 When you say "they" are you referring to the CU. 

[Anonymous]

I would call. Explain. Escalate where needed. Sometimes a call does the trick.