I never had any negatives with Synchrony so no experience there, but I have gotten 100% satisfaction with 100% of my goodwill saturation campaigns.
I have a spreadsheet with every USPS letter, every email sent and who I sent it to, every fax and what department/number I faxed. I have over 1100 contacts so far in that spreadsheet across 7 baddie tradelines which are now 100% gone or adjusted to "never late".
1100 contacts since March 2017 is an average of 4 messages a day, every day, for 269 days. Some days I'd send out 20 emails to 20 people at a bank, other days I'd write 21 USPS letters to send to 21 people at 3 different banks. I actually calculated I spent over $282.21 total in stamps, envelopes, paper and ink on just the USPS portion of the saturation campaigns.
If you don't do goodwill saturation, you didn't try at all. I laugh openly at folks who made one phone call to some creditor and say "THAT COMPANY NEVER DOES GOODWILL". Yeah, because you didn't try hard enough.
One creditor, who attempted to sue me a very long time ago (2013? 2014?) and withdrew the lawsuit when I sent them notice that I'll be counter suing ended up getting USPS letters from me with photos of kittens and then meme text like "PLS DELEET DIS BAD BAD ACCOUNT FUR EVARS" and stuff like that. I also sometimes replaced the kittens with photos I found online of random people eating pizzas with different meme worthy text.
Yes, they did delete it after about 4 months of writing. I just did that to annoy them into accepting they weren't getting a dime out of me but I wanted that baddie gone.
