Who the GOODWILL letter doesn't...

Hermit5 · Jul 24, 2002

Originally posted by Goaldriven
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?
Click to expand...

Your links don't work! Please fix them as I really would like ot view the link about the student loan goodwill letter.

thanks

Goaldriven · Jul 24, 2002

Sorry sweetie. It doesnt work when you cut and paste. Type "Goodwill letter evolution" in the search box and pull up the original thread. The attachments work on the original.

nsx78 · Jan 20, 2003

.

JohnB316 · Jan 20, 2003

Another bump just because... <g>

helpwanted · Jan 20, 2003

Originally posted by Hermit5

Your links don't work! Please fix them as I really would like ot view the link about the student loan goodwill letter.

thanks
Click to expand...

I revised the letter to work with my Student Loan.

IrishEyes · Feb 6, 2003

PFB with JCPenney/ Monogram- YES!!

Anyone have a goodwill address for Fleet CC?

luckymom · Feb 6, 2003

Great thread. I have a few goodwill inquiry removals and short lived account closures out right now. (Thank you Marci) Will post when they return.

thetravele · Feb 6, 2003

Great thread.

Macys - Yes

Capital One - No

Sallie Mae - (Maybe, awaiting reply)

AJ

nickpaige · Feb 6, 2003

Re: Re: Who the GOODWILL letter doesn't...

Ditto

Originally posted by schweb
I only did one:

MBNA - Yes!
Click to expand...

luckymom · Feb 8, 2003

Re: Re: Who the GOODWILL letter doesn't...

FWIW First USA completely removes *closed* paid accounts w/a Goodwill.

Still waiting on a few others.

toothfairy · Feb 8, 2003

Re: Re: Who the GOODWILL letter doesn't...

Do these goodwill letters only work on lates that were a long time ago? Or can they work on recents like w/in the last year? Anyone of those with yes's ?

pnwman · Feb 8, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

Originally posted by luckymom
FWIW First USA completely removes *closed* paid accounts w/a Goodwill.

Still waiting on a few others.
Click to expand...

My experience from a nutcase too. By the way Bank One is closing all First USA accounts and converting to Bank One accounts

PS My lates were in 1999 and account was paid and closed by the OC in 2000. So these were somewhat old.

luckymom · Feb 8, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

Well, that explains where my Bank One TL went!!! lol It was deleted at the same time as the others (glad because it was a short lived TL too!!)

Every little bit helps. These couple deletions boosted my EX score 6 points!

oz · Feb 8, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

here is the original letter etc with working links

helpwanted · Feb 9, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

Originally posted by toothfairy
Do these goodwill letters only work on lates that were a long time ago? Or can they work on recents like w/in the last year? Anyone of those with yes's ?
Click to expand...

Yes, anything is worth a shot. If it will work on old lates, it should work on newer lates. I wouldn't do it if it was within the last 3-6 months. But its worth a shot even then. You'd have to do a whole lot of changing in the wording of the letter.

luckymom · Feb 9, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

I see some CAP 1 late removals here, but will they remove a short lived closed TL?? I reopened mine JUST to avoid the permanent 3 month trade life but dislike them sooo much I will never ever use it.

Anyone have luck with this kind of thing??

cariba · Feb 12, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

Chrysler Financial--NO!

They never responded--late pays still remain!

Cariba

thickman66 · Feb 12, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

Diners club said no to goodwill of 2 late pays.

Luke · May 8, 2003

Re: Re: Re: Who the GOODWILL letter doesn't...

Victoria's Secret, Express, and Structure: YES to a goodwill "phonecall"

Luke

cma · May 8, 2003

Re: Re: Re: Re: Who the GOODWILL letter doesn't...

Originally posted by Luke
Victoria's Secret, Express, and Structure: YES to a goodwill "phonecall"

Luke
Click to expand...

Luke, can I get your contact information at Express? Was it a current account or closed?

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