I've been reading posts from others who have had luck sending a goodwill letter to Capital One via PFB. I've been looking for a sample letter to use (just want to get an idea how it looks) and have found references in FAQ.
I looked in the 'Sample Letters' forum, and found the FAQ, but cannot find any sample goodwill letters that I could use for Capital One.
ATTN : Credit Bureau Desk
13200 Smith Road
Middlebrook Heights, OH 44130
To Whom It May Concern:
I am writing a letter about my experience with Sears that is a mixture of a grateful "thank-you" and a pressing request concerning a Sears Charge Card tradeline in my credit files that I would like to have revised.
I received the Sears card in [YEAR], several years before I [CHAOTIC LIFE EVENT -- A MOVE, A BIRTH, MEDICAL SICKNESS, ETC.]. Later when I experienced the [CHAOTIC LIFE EVENT] and while working on [WORK PROJECT], I became disorganized with respect to, as you saw, making timely payments with Sears. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Sears since that time.
To be honest, that year was a "wake-up" call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Sears card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.
We are about to shop for a mortgage, and it has come to my attention that the late notations from Sears may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with Sears, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service repesentative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Sears, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
I am getting ready to send a goodwill letter to Sears and discover. My DH entered into genus credit managemnet...this is the situation:
entered into program 11/99 for 5 years, you give genus x amount and they pay your companies for you and in 11/2004 you shoud be paid off.
long story short:
well DH just sent them the $$ every month (60 months)
Sears original balance: $1,880.00
has paid 30.00/ month for 60 months to sears: $1800.00.
He finally decides to check his balance since the last payment you make yourself and close the account. His balance is $2300.00.!!! SEARS received the payment each month ONE day past the due date and he incurred each late fee....
(discover is similair however not as bad)
GEnus said nothing they can do.
??? is goodwill my best bet? ...Do I send it ceritfied or do they ususally respond to these? i am so frustrated....