@Skywalker wrote:Hi all, looking for advice on how to proceed with this:
I had three lates (30, 60, and 90 day) occuring from March 2025 to May 2025 with my old credit union while I was in Basic Training with the Army and had extremely limited access to my phone. The past few months I've been making efforts to repair my credit and the credit union has been unreceptive to my goodwill requests (as is their right) but I was wondering if you all had feedback to see if I can be successfull.
As of my last conversation with them (over email with a Branch Manager) they stated:
"Unfortunately, when payment history has been reported accurately, we are unable to reverse or remove late payment reporting. Federal Credit reporting regulations require us to report factual payment activity consistently and fairly for all members."
I had previously attempted to get good will request adjustments twice before that (both over the phone) but was told essentially the same thing, that it's illegal for them to report false information. I'm confused because in the past (given it was years ago) they were able to adjust a late car payment when I once had an open car loan with them.
Further details: The credit card was a secured one that was purely for building credit. It was closed due to the late payments and their inability to contact me. Once I finished basic training, I immediately payed in full, I had previously believed my auto-pay was set up. Already tried disputing on the bureaus to no success. Fully admitted fault in my requests and noted that I paid full balance as soon as I was made aware.
Thanks in advance!
you need to send physical letters to every address you can find and emails of that physical letter to every email address you can find of anybody in any position of power. every name, every address every email address you can find. it only takes one yes.
acknowledge the mistake, accept full responsibility (no excuses), explain the situation (was at basic training) and how you have ensured it will never happen again, explain how you have appreciated having them as a banking partne and then ask for the goodwill removal of the lates
somebody is bound to crack on the solider angle, particularly if you can sign off that you are currently active duty or reserves or served recently or something.
it's not illegal to remove their late reporting, it's just something they say when they don't want to do it.
