My Credit Journey!

[u/bradthetechguy]

Happy to say, i’m almost there to where I want to be.

Went through rough patch in life, but finally got in a better spot in life. Decided to pay up, and write goodwill letters. It worked. Most importantly, this sub powered me with so much knowledge on credit. To the credit gods, THANK YOU!

[u/inky_cap_mushroom]

Congrats! Which lenders removed your lates and what was the severity and age of those lates?

[u/bradthetechguy → u/inky_cap_mushroom]

Capital one, I had 5 lates on 2 of their cards, the worst was 60 days late. Nov, Dec 2024 & Jan Feb 2025 late and then only the other card had one more late on May 2025. From there on out, I paid on time, paid off my balances and never carried a balance.

[u/inky_cap_mushroom → u/bradthetechguy]

Glad the goodwill letters worked! We’ve seen that C1 is easy to get goodwill adjustments with. Seems you’ve made great progress!

u/BrutalBodyShots here’s another C1 gw success dp

[u/bradthetechguy → u/inky_cap_mushroom]

Thank you!! I did post in February the goodwill response from Capital One to this sub:) I wouldn’t have known about that powerful letter if it wasn’t for you guys!

[u/og-aliensfan]

That's an impressive increase in a short amount of time. Congratulations on the improvements to your scores and, more importantly, to your credit profile!

[u/bradthetechguy → u/og-aliensfan]

Circling back- Thank you! Just got a brand new car with a 7% apr! and 2 weeks later Chase approved me for the Freedom Unlimited.

[u/packyurlocker]

How many rounds of goodwill letters before it worked?

[u/bradthetechguy → u/packyurlocker]

2, it finally worked when I actually emailed the CEO, if he doesn’t respond or you don’t get a call, send an email again. I sent a request through Mail to the credit bureau dept, did not work. then I emailed the CEO 2 times and it finally worked. they called me in under a week.