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GW letters denied, Karma claims deleted, New CR shows more late fees

Katiemay25
Frequent Contributor

GW letters denied, Karma claims deleted, New CR shows more late fees

So I'm right now in a wonky situation. I sent goodwill emails to the execs of Best Buy (closed) and Dell DFS (active). Both called me back the next day and told me they can't take the late payments off. 

Best Buy - five 30 day lates - 2018

Dell - one 60 late - 2019

 

Credit karma reported last week that both accounts were adjusted. Best Buy deleted the lates and Dell added a late. 

I pull a free trial 3B from my Experian account today and noticed both accounts have an add another month of lates. 

Now it's

Best Buy - six 30 day lates

Dell - two 60 late

 

The adjustments didn't pop up on my alerts for my Experian account or myFICO account. My next 3B on myFICO is available on 8/28. 

 

I'm just confused by this. I have to pull old statesments to see if I was late during the extra that was added. Will this make my score drop since they are old lates? I guess the GW triggered them. 

4FE198D9-B3FF-40AC-B389-36D072DC747B.png

 

00204EC3-3800-40E6-A5C2-4D341026B684.png

 









2 REPLIES 2
Bank007
Frequent Contributor

Re: GW letters denied, Karma claims deleted, New CR shows more late fees


@Katiemay25 wrote:

So I'm right now in a wonky situation. I sent goodwill emails to the execs of Best Buy (closed) and Dell DFS (active). Both called me back the next day and told me they can't take the late payments off. 

Best Buy - five 30 day lates - 2018

Dell - one 60 late - 2019

 

Credit karma reported last week that both accounts were adjusted. Best Buy deleted the lates and Dell added a late. 

I pull a free trial 3B from my Experian account today and noticed both accounts have an add another month of lates. 

Now it's

Best Buy - six 30 day lates

Dell - two 60 late

 

The adjustments didn't pop up on my alerts for my Experian account or myFICO account. My next 3B on myFICO is available on 8/28. 

 

I'm just confused by this. I have to pull old statesments to see if I was late during the extra that was added. Will this make my score drop since they are old lates? I guess the GW triggered them. 

4FE198D9-B3FF-40AC-B389-36D072DC747B.png

 

00204EC3-3800-40E6-A5C2-4D341026B684.png

 


CK is unreliable.  The scores are Vantage scores (not FICO) and the information - account related - is usually inaccurate or misleading.  I have never seen anything useful coming from CK.  Use myFICO platforms; sign up for Experian etc.  

 

Pull your reports from myFico et.al.. not Credit Sesame or Credit Karma.

Starting Score: 550
Current Score: 652
Goal Score: 670


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Message 2 of 3
Katiemay25
Frequent Contributor

Re: GW letters denied, Karma claims deleted, New CR shows more late fees

You are so right









Message 3 of 3
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