cancel
Showing results for 
Search instead for 
Did you mean: 

Discover Goodwill - EO Response and Added Inaccurate Reporting Data

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Member

Discover Goodwill - EO Response and Added Inaccurate Reporting Data

I sent a goodwill letter to a slew of email addresses on 3/6/19 and I recieved an alert that my payment history had been updated a few days later.. I was hopeful they removed the lates or tradeline completely but after looking at my credit report, they ADDED 3 lates to an account that has been closed for almost 3 years. Below is the GW letter I sent and letter received back from the EO in the mail today.

 

Here's the goodwill letter I sent: 

 

I was a Discover Card customer from 2011 to 2016 and very much enjoyed the experience. Currently, I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies.

 

According to my credit report, I have two (2) 30-day late payments on the above referenced account which are dated 9/2014 and 5/2015. I also have one (1) 60-day late payment which is dated 6/2015, as well as one (1) 90-day late payment which is dated 7/2015.

 

These late payments were due to me being a recent college graduate and struggling to find work to be able to keep up with all of my bills. These payments have hindered my ability to obtain credit in the past and are now posing as an obstacle as I attempt to purchase a home. Since, I have learned many financial and money management skills to avoid these mistakes from happening again. I don’t say this to justify why the payments were late, but rather to show that this is not a good indicator of my credit worthiness.

 

Before and since this incident, I maintained an excellent payment history during my tenure of being an account holder and would like to request the removal of these negative payments. I hope that Discover Card is willing to work with me on erasing this mark from my credit reports.

 

It is my sincere hope that Discover Card is willing to work with me on erasing these marks from my credit reports. I was a very happy customer in the past and hope to one day establish a new relationship with Discover Card. 

 

In closing, I thank you in advance for your consideration and look forward to hearing from you on this matter. I do recognize that my request is unique and that it may not be normal policy for Discover Card, but I'm hoping that Discover Card will remove these late payments from my credit reports. I look forward to your reply.

 

Very Sincerely,

 

Here's the letter I received from the EO:

 

"Thank you for your recent email correspondence dated March 6, 2019 addressed to Roger Hochschild, Chief Executive Office at Discover. To ensure your concerns are address as efficiently as possible, your email has been referred to my attention, at the Executive Office of Customer Advocacy at Discover.

 

We regret to hear of your previous situation, and we applaud the steps you are promptly taking to solidify a strong financial future. We are unable to remove the deliquencies reporting on your account, as we are committed to complete and accurate credit bureau reporting... blah blah blah...

 

Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me at the telphone number below."

 

The lates in question from 2015 remain on my credit report. However, they reported "on time/current" for March and April 2018..then 30 days late 5/18, 60 days late in 6/18 and 90 days late in 7/18. Then on time/current from Aug 18 to Jan 2019. I'm not sure why they added the lates in 2018 since the account was closed and had 0 balance in 2016, with "not reported" every month since. Any suggestions on next steps to resolve, perferrable anyway to have the entire tradeline removed, but if not, back to reporting the original but accurate status?

Message 1 of 4
3 REPLIES 3
Moderator

Re: Discover Goodwill - EO Response and Added Inaccurate Reporting Data

Welcome to the board. Now you need to dispute with the CRAs those lates in 2018 as they are false if it closed in 2016 with 0 balance. The only 2 that are going to hurt the entire time they are on file is the 60 and 90 that are legit these are considered major lates. 30 days tend to only affect Fico for 2 years.

"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 4
New Member

Re: Discover Goodwill - EO Response and Added Inaccurate Reporting Data

@gdale6 thank you so much for your help. Do you think I should send additional goodwill letters to the email address I had success with until they agree to remove the lates and/or the tradeline entirely?

Message 3 of 4
Moderator

Re: Discover Goodwill - EO Response and Added Inaccurate Reporting Data


@add409 wrote:

@gdale6 thank you so much for your help. Do you think I should send additional goodwill letters to the email address I had success with until they agree to remove the lates and/or the tradeline entirely?


I have never used email to request good will. I used the US Mail to mail a personalized letter to the CEO and it is what I would suggest as mailing said letter makes it more personal over an email. You only want to remove the entire TL if it is a CO as once the lates age off or get commuted then the account becomes a net positive the entire time it remains on your file.

"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 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.