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Capital One Goodwill FINALLY worked!

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Lostinthegame
New Contributor

Capital One Goodwill FINALLY worked!

I sent a goodwill email to the CEO on 1/5 and I received a call on 1/8 from a rep at Capital One. She verified some personal information, then proceeded to ask me the reason of my goodwill. A few years ago I lost my job and had no emergency fund to cover all my expenses. As a result I had 6 lates (30+60+90+120).

The lady was very nice, asked me to wait a few minutes while she reach out to the bureaus; she came back on the line to tell me that it was going to take from 30 to 45 days for the changes to reflect, and that I was going to receive a letter in the mail.

A few things that might have helped me:

  1. My accounts with them are at 0 balance and on autopay
  2. I mentioned having an emergency fund to prevent something like this from happening again
  3. Attached my termination letter to the goodwill email show proof of the cause of the lates
  4. I made sure to change the verbiage of each email (had about 8 versions)

 

I wanted to wait till I received the letter thinking that it was going to take at least 30 days for it to report but this mornig I woke up to an increase of 53 points on my EX Fico 8 . TU changed on CK (7 points - I only paid attention to the change in payment history) so so I'm waiting for both EQ and TU Fico 8 to update.

 

After two years of goodwill emails (13 emails to be exact) my Experian and Equifax reports are clean! One more thing to fix on TransUnion and all reports will be clean! Smiley Very Happy

TU 100 payment.jpgExperian increase.jpg


Goal cards:
21 REPLIES 21
AllZero
Mega Contributor

Re: Capital One Goodwill FINALLY worked!

Congratulations on your Good Will success! Scores looking good.
Message 2 of 22
simplegirl
Valued Contributor

Re: Capital One Goodwill FINALLY worked!

Congratulations I'm still trying with capital one and hopefully i get the same response.








Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


Take the myFICO Fitness Challenge





Goals:

Get First Home in Summer 2025
Message 3 of 22
Lostinthegame
New Contributor

Re: Capital One Goodwill FINALLY worked!


@simplegirl wrote:

Congratulations I'm still trying with capital one and hopefully i get the same response.


Thanks! It took me a while as you can see...I'm glad I didn't give up! 

Hopefully you'll get a positive response to your GW Smiley Happy


Goal cards:
Message 4 of 22
OmarGB9
Community Leader
Super Contributor

Re: Capital One Goodwill FINALLY worked!

Congrats!


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 5 of 22
gdale6
Moderator Emeritus

Re: Capital One Goodwill FINALLY worked!

Fantastic on the success with Cap-1...

Message 6 of 22
flexin222
Regular Contributor

Re: Capital One Goodwill FINALLY worked!

Congrats on the stats...Way to go!









Message 7 of 22
Anonymous
Not applicable

Re: Capital One Goodwill FINALLY worked!

@Lostinthegame , congrats! +53 pts is an awesome increase! Those 90d+ lates really do hurt and I am so glad the GW technique worked for you! It is worth the effort to keep try and your perseverance really paid off!

 

Again, congrats, and thanks for giving everyone hope that is working on GWs!

Message 8 of 22
lisabobisa
Valued Member

Re: Capital One Goodwill FINALLY worked!

Congratulations!! I am in the midst of a goodwill campaign myself and I find this encouraging. Thanks for sharing!!

Message 9 of 22
BAD_UP
Established Contributor

Re: Capital One Goodwill FINALLY worked!

Congrats on your Cap1 GW Success🎉🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706
Feb15 2021 Score EQ FICO8 704, TU8 702 , EX8 712 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 10 of 22
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