Re: Who the GOODWILL letter doesn't If you struck out the first time, wouldn't it make sense to try time and time again with the same letter? Most of these companies have dozens (hundreds?) of Reps - maybe a more sympathetic one would handle. -Cliff
Re: Who the GOODWILL letter doesn't Providian - NO *and* they send you a letter telling you it's illegal (or unethical) to ask them to change your credit history.
Re: Who the GOODWILL letter doesn't I have to do a major revision from my previous post. The day I say that Lowes/Monogram bank are major a**es, I get a letter from them that they are deleting all deregoatory information from my account!!!! 4-30 days and 2-60 days. I wrote them over 5 times and they always wrote back saying they couldn't change accurate info. You are so right, just getting it to the right person. I'm writing a letter tot he person who made this decision and am going to thank them for working with me. This account was closed by them and they said they cannot re-open it BUT they still removed ALL lates. This is one of my worst tradelines. The CSR even included copies of the individual letters they are sending to all the CRA. I guess even the major pains surprise you sometimes. Now I just have to keep working on Countrywide. Lowes/Monogram -- Yes
Re: Who the GOODWILL letter doesn't Discover Card sent me a letter stating that they cannot remove the negative history from my account as it would "compromise the integrity of the credit reporting bureaus...". Integrity? Are they serious???
Re: Who the GOODWILL letter doesn't I would like to know if anyone has sent a goodwill letter to a mortgage company with positive results. Also, for those who have sent letters, how long before you heard back? Thanks!
Re: Who the GOODWILL letter doesn't I would love to hear if someone ever made progress with Countrywide with a "goodwill letter"..
MASSIVE Update!! Cap one finally responded to my goodwill lttr but it took a second one asking why they ignored my first. I got more than I thought I'd get. ~
for those who have had good results with MBNA, where did you send your letter? or did you use PlanetFeedbacK? I have a letter ready for them, just wanna make sure it goes to the right place, thanks!
Where can i get a copy of this goodwill letter? I noticed it wasn't in the sample letters folder. Can someplease email a link to where to find this. Thanks.
Providian- Nope. And I sent them documentation of the medical calamity that caused the 2 lates. Hey, whoever got Sallie Mae to change their lates, please tell me who you wrote to and your circumstances! Thnaks1
click on the link that says Credinet unofficial FAQ. It's at the top of the threads on the first page. You will find a few goodwill letter samples.
Check out "Goodwill Letter evolution" by PsychDoc on 6/14 PsychDoc | 2167 posts since Jun 2001 24.181.88.153 | 06.14.2002 @ 08:32 Here's a history lesson for those who are interested. (Ok, the person that yawned can close the thread NOW, lol.) marci, way back last year on 05.29.2001 @ 11:20, lol, posted what she called her "sample Letter paid CO." Her original Letter began "I am writing a Letter about my experience with Citibank NA that is a mixture of a grateful 'thank-you' a pressing request" then asked them to "give me a second chance at a positive credit rating." I think the Letter may well have been the first time I ever saw anybody here take the nice approach so effectively. Here's the link to that post (well worth reading -- I hope marci will forgive my effusive compliments, but this is one of the all-time great posts): At the point she wrote that Letter (May 2001), the conventional wisdom here was that you probably shouldn't bother worrying about a paid account because -- the logic went -- IF IT'S PAID, YOU'VE LOST YOUR LEVERAGE. Of course, what marci suspected at the time (i.e., if it's paid, you STILL haven't lost your leverage) was foreign to most of us who lurked the credit boards. Keep in mind that this Letter predated my nutcase Letter (which I devised based upon stuff learned as a grasshopper student of Bill Bauer's an avid reader of John Gliha's approaches at DueProcess.org) by many months. Then, later, Bill Bauer came up with his own approach to paid collections (previously he had dealt only with unpaid accounts). recently, DanceRat came up with a TERRIFIC approach toward paid accounts with bad tradelines that emphasizes legal soundness, described elsewhere on this board. But it goes without saying that marci's Letter was really the progenitor of the "Goodwill adjustment" Letter the nutcase Letter. It wasn't until many months later that I stole (borrowed, lifted, LOL) key aspects (ok, the "key"-est aspects) of marci's "sample Letter paid CO" modified it for the express purpose of dealing with fully-paid accounts which had always been in good standing but had suffered small dings. It was a Sears rep who told me at the time, "Oh, sure, we call those 'Goodwill adjustments' or 'courtesy adjustments' we consider those requests from time to time." The very idea that I might be able to clear minor 30 60 day late pay history without having to dispute the notations with the CRAs was a revelation to me. (Hell, they never said anything about it in Michael Kielsky's "Electronic Credit Repair Kit" -- lol.) So, true to marci's approach, the Letter began, "I am writing a Letter about my experience with Sears that is a mixture of a grateful 'thank-you' a pressing request" included the "wake-up call," but then I went on to beg for "redemption at Sears" even included the word "beg" LOL among other base grovels. I wondered if marci would object to even being associated with such unapologetic grovelling, but luckily she approved (I think, lol). In January 2002, I posted the resultant "Goodwill Letter" here: In May, marci posted something she called her "Get Rid of Clutter Letter" which used entirely new language (no "pressing request" lol) but was an effective twist on the theme -- aimed specifically at deleting relatively new but deleted tradelines (the result of Citibank BDDs, for Example). This Letter hasn't received the play it deserves -- it should be referenced in the FAQ, I think. For anyone who missed it, here's the link: Next, schweb posted his version of the Goodwill Letter using completely different language, something that is extremely important in order to keep the same Letter from becoming "recognized" by creditors. Here's that link: Finally, last week, helpwanted posted a well-revised Goodwill Letter (you can see marci's "pressing request" linguistics weaving right through from her original "sample Letter paid CO" to the present, lol) but specifically aimed at student loan providers: I'm an advocate for both "honey" "vinegar" -- whichever works. On the other hand, if you browse messages on this board which predate marci's "sample Letter paid CO" you'll be hard-pressed to find much "honey." (Grandma always said you can attract flies with honey much better, ahem.) Anyway, now that tone of voice has evolved into several excellent, targeted credit repair tools in our collective arsenal here. Who knows what mysterious personality shard led marci to try being nice to the creditor creeps (perhaps she'll consent to a longitudinal personality study, lol), but it worked has continued to work for so many of us in several different ways. (So, this posting is "a mixure of a grateful 'thank you' ..." er... sometimes it's important to know when to stop. I clearly haven't learned that lesson, ahem. I'll stop now, lol.) Doc P.S. Surely this interested someone out there, cough, cough. If not, maybe the links will introduce a newbie to something new anyway. Good wisdom never gets forgotten. Thanks Doc. Back to the question. Does the Goodwill work with FCNB or Genesis Financial?
