CreditOne Goodwill Attempt

[rudywswartz]

Hello everyone, new to the forum and just wanted to share what I'm currently attempting with Creditone. I read on here in a few different threads that people have had success getting late payments removed with Creditone so I'm attempting myself to have this done. I have 3 lates from last year. 2-30 day and 1-60 day. I have 2 credit cards with CreditOne and have always paid on time otherwise. I have had these cards for over 3 years. These late payments caused my score to plummet from 680 to 550. My payment history according to creditkarma is 98% because of these lates. I am attempting to get these removed so my payment history will go back to 100% and hopefully pick my score back up.

It is currently Sunday and I made all contact attempts yesterday (Saturday). I actually just called Creditone and eventually was able to speak to someone directly, I explained the situation and he said that i've always been a good customer so he put in a request to have these removed from my credit history. He said there will be an answer within 7 days. I also emailed the primary contact in customer service which can be found using a simple google search. Fingers crossed! 

[gdale6]

Good luck on your request. Please let us know the result!

[rudywswartz]

Will do..haven't heard anything yet but it's only been 1 business day. I've read other threads that say they get an automated resonse hours after emailing..I never recieved that but like i said, I did call on the phone as well and he said I should hear something within 7 days 

[alwayshungry0323]

I recently got them to delete 2 lates I had with them. I emailed the CEO and recieved notice that they would delete that same week. Good luck!

[rudywswartz]

I hope that's the case for me too..just waiting for a response..Thanks!

[FireMedic1]

Best of luck. C1 gets a lot of flak. But they do more GW's than anyone else. They dont like losing customers. So your chances are pretty good. Let us know how it goes.

[lns1976]

@FireMedic1 They removed a CO CC from my report without request less than 24 months after it was charged off, but the LVNV collection stayed until I paid it.

They seem to have a short memory and would rather give people multiple chances than hold a grudge.  Probably make good money off the interest. lol

[rudywswartz]

They sent me a letter today and said "the account has been reported accurately"

I already it's accurate but I was asking for goodwill forgiveness. Maybe my letter wasn't clear enough??

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@FireMedic1 wrote:

Best of luck. C1 gets a lot of flak. But they do more GW's than anyone else. They dont like losing customers. So your chances are pretty good. Let us know how it goes.

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[rudywswartz]

They said the account in question has been reported accurately..maybe they misunderstood my request? I'm not saying it's not accurate, just asking for forgiveness. 

[OmarGB9]

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@rudywswartz wrote:

They said the account in question has been reported accurately..maybe they misunderstood my request? I'm not saying it's not accurate, just asking for forgiveness. 

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Write back and explain that you understand it's accurate and by law they must report accurately, but by law they also don't have to report anything at all. In other words, you're asking for exclusion/not reporting of those months you were late.