@Anonymous wrote:I have just rencently started working on my credit. Negative remarks and high balances are really killing my score. I am paying down all of my cards and paying off one of my vehicles by the end of this year. Even with doing that I still don't think my score will be high enough to by a home. I was wondering how well goodwill letters work and if anyone has had any success with any of these creditors. Also when doing goodwill leters are you asking them to remove the accounts completely or just the negative information? This is what shows up on my credit karama account.
Pioneer/Mac late payments.
Verizon Wireless/SOU collection/charge off.
Credit one bank collection charge off sold
ED financial/ESA Late payments
Fed Laon Services/ late paymens. this one really makes me mad becuase I did paperwork to defer loans and they only did two. After nine months of deployment I came back to nine missed payments on two different loans.
Kohls/Cap ONe Charge off and late payments
Syncb/Amazon ploc. Charge off
Syncbpaypalsmasrtconn charge off late payments
Thanks for your Help!
Welcome to the board 
The rule of thumb on what to ask for is this: If the account is COed then you want to ask that the account be removed in its entirety its the CO thats causing the Fico score decrease and as they age back in time the hit is less and less. If there are lates in a good reporting account you only want to ask that the lates be commuted and leave the account as it will be a good account that reports for up to 10 years going forward. If you were deployed there are certain rules that creditors must follow though I dont know where to find those laws you might want to check into those as well.
