Goodwill

[coldfusion]

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@Anonymous wrote:

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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. 

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While it might be arguable that the derog over $2 is a bit petty, by your own admission it's legitimate and accurate.  Beware the laws of unintended consequences if you decide to send demand letters to the CRAs.

[SoCalGardener]

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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 way. 

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It's ludicrous to end up with a ding on your credit for an honest mistake, a silly $2 underpayment. If I were you, I'd take the advice already given in this thread: escalate it with the creditor.

Call, and immediately request a supervisor. If the CSR tries to talk to you first, be very polite and calm and just explain what happened, it was an honest mistake, you took care of it ASAP, you're a good customer, and you'd really like it taken off your CRs. If you get nowhere with him/her, then insist on a supervisor. Do it over again. Keep going up the ladder until you get a yes--that's what I'd do. I would be so upset at getting a derogatory mark on my credit because of a dumb mistake I made, I wouldn't rest until it was resolved.

Note that I'm assuming you are a good customer and do have a good record with them. If not... *shrug*

[Turbobuick]

I would shred the card and then re-shred it again, then mail the bits to them with $2 monopoly money.