Persistence with Goodwill Letters

[Anonymous]

Im grateful for the knowledge Ive gained through this forum. Persistence is the key to accomplishment. I attempted a GW letter to JCPenney and this was the initial response:

Based on your inquiry, we have reviewed your account record and verified that we have accurately reported your account history information to the major credit reporting agencies. Since we have reported accurate information pertaining to your account, we are unable to delete or modify the status as reported. If feel this is an error you can write to:

I sent the same email 3 days later and received this response:

Thank you for your recent inquiry regarding your JCPenney account, and the opportunity to be of service to you.
This email is to confirm that on January 13, 2010 we complied with your request.

This Email is written confirmation that a request has been sent to the major credit reporting agencies, to delete all derogatory information from your credit bureau file pertaining to the account shown above. Please retain this Email for future reference. We apologize for any inconvenience this matter may have caused you.

We appreciate you as a valued cardmember and hope you will continue to enjoy shopping in JCPenney Stores, jcpenney.com and Catalog. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Thank you to all that contribute to this forum. Knowledge is power.

[Anonymous]

Congrats!  JCPenney can be tough, but they usually give in with persistency. 

[Anonymous]

Thank you DI. I ask anyone who views this post, who can add to the message of persistence, or the success of GW letters to reply with their success stories.

                                         KNOWLEDGE IS POWER

[Anonymous]

I mentioned in several other posts my threat to file a lawsuit with Penney/GEMB in 2004.  It ended with a settlement.  So I got more than a GW. 

[Anonymous]

Just last week I sent several GW letters.  The 3 that have responded so far were Wells Fargo Auto (its an open account) with lates, Franklin Collection Agency (paid collection), and Chase (old closed account with lates). 

This week, Franklin Collection Agency and Chase both erased my records from all 3 CRAs and Wells Fargo sent me that letter about "we report accurate info".  I figured they might help me with the late reports because I am still a paying customer, and I have paid over the amount due each month for over a year.  Guess not.  But, have been thinking about trying again .

Someone else I sent a letter to did something positive to my report because my credit score rose again yesterday.  I'm not sure who it was since I only saw the score alert and not my updated report, but I'll post whoever it was when I find out in case that can help anyone on the forums.

I am still awaiting about 5 more responses, and will try again in about a week if I don't hear anything.

[Anonymous]

That's great Jen. I am inspired by the positive results you can achieve by simply being an advocate for yourself. I did not know before I started looking, that you could have an effect on the financial institutions just by asking for some help. That is the lesson Ive learned here......be persistent and Knowledge is Power.

[Anonymous]

Jerry,

I received the same response from my intial goodwill letter to JCP. I was wondering if you would post your emailed letter and the address you sent it to? I am very anxious to get my lates cleared up.

Thanks!

[Anonymous]

Awesome!!  congratz on the response!!

[Anonymous]

(Your name)

(Your address)

1/01/2010

J C Penney Credit Bureau

PO Box 981131

Elm Paso TX, 79998

Regarding account:

Edited to remove a possible acct number.

To Whom It May Concern,

I am writing this letter today for a few reasons. The first being to express my satisfaction with J C Penney Stores, their products and services. My family and I shop at J C Penney stores more than any other retailer. The other reason is a humble request to have my account information amended with regards to the late payments occurring in November of 2009.

I have J C Penney Card and have been a loyal customer with a good record of paying my accounts on-time.(Inset your reason for the late payment.) . As soon as this mistake was realized I immediately brought my accounts current. This error has created drastic effects on my credit rating. I am committing to you that my payments to your company will be in a timely manner.

I am currently in the process of acquiring a mortgage and I am requesting you give me a second chance at a positive credit rating by revising these late payments. I sincerely hope J C Penney believes in their customers as we do in their products and services and humbly request your consideration in this matter. I appreciate your time and look forward to receiving a favorable decision from your department soon.

Sincerely,

 

Message Edited by llecs on 01-23-2010 09:15 PM

[Anonymous]

Jess, Ive posted the GW letter and address I used after removing my personal info. Hope this helps. Keep sending the letters in until they say yes. Theres nothing to lose and much to gain. GOOD LUCK