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GW success on lates!

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KateInquires
Contributor

GW success on lates!

Hey Fico fam!

I posted this in my personal progress thread but thought I would share this in case it helps anyone. I had 3 30-day lates reporting on my Kohls/Cap one card from 2020. I emailed the CEO and just honestly explained the situation (I was going through a career change one week before all heck broke loose in the world with Covid).

I know there have been some awesome GW templates and very formal/official language in them. I'm sure those work too but once in a while it helps to just be human and be humble- admit your mistakes. Anyway, it was very brief and I didn't actually expect anything to come of it. Well I recieved a phone call from an executive at Kohl's and wow, a completely down to earth and caring woman! The lates were removed from my report immediately (she said could be 30 days but it was like 30 minutes).

Moral of the story is you really do miss 100% of the shots you don't take! Made a big difference in my score to have 100% positive payments!

Message 1 of 13
12 REPLIES 12
IamWesty12
Frequent Contributor

Re: GW success on lates!

@KateInquires congrats, this is great news for you and gives great hope for others!!!!  You are so correct, we will never know about things we don't attemp!!  Sweet, happy for you and your credit reports, lol!

Starting Score: 461
Current Score: 689
Goal Score: 775


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Message 2 of 13
chiefone4u
Established Contributor

Re: GW success on lates!

Congratulations! Very well done. I think a personal touch goes further for most of these companies. I can only imagine how many boilerplate templates they see every day because "it worked for someone else it will work for me".

 

I hate hearing no, but have tried hard to get past that fear and relay on here often that no one can tell you yes if you don't ask.

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Starting Score: EQ:608, EX:617, TU:625
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Message 3 of 13
babygirl1256
Senior Contributor

Re: GW success on lates!

Congrats on your GW success . . . nothing beats a failure but a try . . . if it's a no, you lose nothing . . . if it's a yes, then it's your gain!!! Smiley Wink

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 4 of 13
FireMedic1
Community Leader
Mega Contributor

Re: GW success on lates!

Congrats @KateInquires . Persistance pays off at times. Smiley Happy



BK Free Aug25
Message 5 of 13
OmarGB9
Community Leader
Super Contributor

Re: GW success on lates!

Congrats!


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 13
Veronik2019
Contributor

Re: GW success on lates!


@KateInquires wrote:

Hey Fico fam!

I posted this in my personal progress thread but thought I would share this in case it helps anyone. I had 3 30-day lates reporting on my Kohls/Cap one card from 2020. I emailed the CEO and just honestly explained the situation (I was going through a career change one week before all heck broke loose in the world with Covid).

I know there have been some awesome GW templates and very formal/official language in them. I'm sure those work too but once in a while it helps to just be human and be humble- admit your mistakes. Anyway, it was very brief and I didn't actually expect anything to come of it. Well I recieved a phone call from an executive at Kohl's and wow, a completely down to earth and caring woman! The lates were removed from my report immediately (she said could be 30 days but it was like 30 minutes).

Moral of the story is you really do miss 100% of the shots you don't take! Made a big difference in my score to have 100% positive payments!


Thats so great! I also have a late payment from last year i would love to have removed. Do you mind to PM that email? Thank you

Message 7 of 13
gdale6
Moderator Emeritus

Re: GW success on lates!


@Veronik2019 wrote:

@KateInquires wrote:

Hey Fico fam!

I posted this in my personal progress thread but thought I would share this in case it helps anyone. I had 3 30-day lates reporting on my Kohls/Cap one card from 2020. I emailed the CEO and just honestly explained the situation (I was going through a career change one week before all heck broke loose in the world with Covid).

I know there have been some awesome GW templates and very formal/official language in them. I'm sure those work too but once in a while it helps to just be human and be humble- admit your mistakes. Anyway, it was very brief and I didn't actually expect anything to come of it. Well I recieved a phone call from an executive at Kohl's and wow, a completely down to earth and caring woman! The lates were removed from my report immediately (she said could be 30 days but it was like 30 minutes).

Moral of the story is you really do miss 100% of the shots you don't take! Made a big difference in my score to have 100% positive payments!


Thats so great! I also have a late payment from last year i would love to have removed. Do you mind to PM that email? Thank you


The email can be found at ceoemail.com

Message 8 of 13
Veronik2019
Contributor

Re: GW success on lates!



The email can be found at ceoemail.com


I checked and there is no info on Kohls

Message 9 of 13
OmarGB9
Community Leader
Super Contributor

Re: GW success on lates!


@Veronik2019 wrote:


The email can be found at ceoemail.com


I checked and there is no info on Kohls


Kohl's is owned by Capital One, so look for the Capital One CEO email.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 13
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