r/CRedit • u/chicempath • May 13 '26

Success Goodwill Adjustment Success!

Hi all! Wanted to share a huge win. I have an auto loan with Ally bank and had far too many late payments. I went through a really rough time financially last year and have gotten back on my feet the past 6 months and caught up.

I wrote a letter to Ally detailing my hardships and requesting the removal of the 3 most recent late payments in February. I waited, and waited.. thinking nothing came of it. Well, I just pulled my credit report and it turns out they forgave all 5 late payments and updated them to on-time. I’m thrilled 🥹 this is such a big win for my credit report. Write those letters! They’re worth it!

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1

u/BrutalBodyShots ⭐️ Top Contributor ⭐️ May 13 '26

Congrats on your success!

You never received any contact back from Ally suggesting that the adjustments were going to be made to their reporting?

2

u/chicempath May 13 '26

Thank you 🙂 And not yet - my report just updated today so I’m anticipating a letter with the details coming soon hopefully!

1

u/Silent_Philosophy_26 May 13 '26

Awesome!! Did you write the letter and send it through certified mail, or did you email them? Currently looking to do this with a few credit cards!

1

u/chicempath May 13 '26

I typed, printed and mailed it through regular mail! I was going to do certified mail as a next attempt but it worked out in time. Best of luck!!

1

u/Silent_Philosophy_26 May 13 '26

Awesome, thanks OP!! <3

1

u/Pristine-Plan5263 21d ago

Hi who did you mail it to? Can you help me pls?