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Credit one goodwill

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Credit one goodwill

Hi there, I’ve seen a few forums where individuals had luck getting a Credit One bank CO removed from their reports and I’m wondering about getting some advice on that. My CO happened in 2016, they sold the account to Midland Credit Management and I have been paying this off ever since. I have about $180 left to pay which I plan to do in the next few weeks. Midland never reported as I called them immediately when the account was sold and set up a payment plan. Given that the account was sold and I’ve been religiously making payments and can prove that, do you think Credit One will consider deleting the account from my report? I’m trying to get my scores up to get approved for a USDA loan within the next year or so. I have a long way to go but I figured I would start here. I “hired” SkyBlue to help me with my disputes but truthfully I’ve seen no positive changes thus far.
Any advice is appreciated more than you know!
Message 1 of 22
21 REPLIES 21
Moderator

Re: Credit one goodwill

Welcome to the board Smiley Happy

 

Only way is going to be by getting a goodwill deletion and you wont know until your try.

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 22
Established Member

Re: Credit one goodwill

PM me.  I have an email for their ceo and have had good luck getting my CO removed and my wife's late pmts.

Message 3 of 22
Valued Member

Re: Credit one goodwill

Can you share that letter with me?

Message 4 of 22
New Contributor

Re: Credit one goodwill

I sent a goodwill letter by email on 07/10/2018 and just received reponse today 07/18/2018 that they will be removing the one late payment reported on my sister's account. I've been helping her tackle her credit repair and it finally has paid off. The first letter I sent in March and they didn't grant her request. Sent it the second time and now it's going to be deleted. Don't give up!

Message 5 of 22
New Member

Re: Credit one goodwill

No giving up here!  I've got to do it.  I e-mailed and received a reply that my request will be reviewed and I will hear something within 3-5 days.  Will post an update!

Message 6 of 22
New Contributor

Re: Credit one goodwill

That was the same response I received on monday 07/16/2018. Then just a few minutes ago I received the email with the attached letter that they will delete the late payment.

Message 7 of 22
New Member

Re: Credit one goodwill

So, I just checked CreditKarma (I tend to obsess and check it multiple times a week) and there is ALREADY a remark added to my CreditOne account stating “Paid charge off” for both TransUnion and Equifax. I really wanted it removed completely. Wondering if I should try again???
Message 8 of 22
Established Member

Re: Credit one goodwill

Are you saying that midland wasn’t reporting your payments? Or are you saying that they never reported your account with them because you started to handle it early enough?
Message 9 of 22
New Member

Re: Credit one goodwill

I'm saying that they did not report the account because I handled it early enough

Message 10 of 22
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