Goodwill Adjustment Requests: Argue, or Just Send More Letters?

[quizzical_gull]

Hi all,

This is a bit of a strategy question, and I'd love some help. I'm slogging through my goodwill adjustment campaign, and I'm starting to get some responses. I was expecting the standard "blah blah FCRA forbids deletion etc." which is indeed what I'm receiving. Because I know that FCRA does no such thing, part of me wants to call them and try to explain this. I would obviously do so calmly and respectfully, but I was wondering if anyone had had any success with essentially debating FCRA with anyone. Or would I be better off accepting the rejection, not directly responding, and just continuing to send more letters? I have a legal background so I feel okay about having this kind of conversation and confident in what I'm saying, but I don't want to piss anyone off.

[GZG]

just send more letters, the last thing you want to do is become openly hostile to somebody that can write something down in your profile that somebody who might do the goodwill adjustment can see

[quizzical_gull]

No that totally makes sense, I guess I didn't mean that I would get hostile but more just ask about the FCRA justification since creditors often seem to hide behind the misunderstanding that it forbids creditors from making goodwill adjustments. But you're probably right here, I just wanted to know if anyone had successfully talked their way around the FCRA thing!