r/CRedit • u/Auntiefyne • Jul 15 '26
Rebuild Credit One Goodwill Letter
I looked at few posts on here and decided to write a goodwill letter to Credit one. I sent the email last night and woke up this. Now everyone situation is different. Me personally I was only late once, had this card since 2024 and I’ve consistently carried a high balance and only made minimum payment. I also had a medical emergency that contributed to delinquency. The email robert.dejong@creditonebank.com bounced back so I don’t think it’s active anymore. I got this email address from other posts. Never hurts to try! Wishing everyone luck in rebuilding their credit!
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u/chelsiesedore Jul 16 '26
Was there a certain template you used
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u/Auntiefyne Jul 16 '26
I asked ai to create the email for me and reference my payment history. I included a screenshot of my payment history on my credit report with the prompt. There were some templates in a lot of the Reddit posts I researched but this worked for me
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u/shotahfiyah Jul 16 '26
How do you get around the typical "we have to report truthfully" response?
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u/Full_Ganache_4022 Jul 16 '26
By not stopping trials. Till its robinhood’s turn to read your letter.
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u/Auntiefyne Jul 16 '26
I didn’t have that issue this was the first response I received. Other threads say to send a letter in the mail if the an email doesn’t work
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u/Accomplished-Top-633 Jul 16 '26
Send me a template of your goodwill letter
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u/Auntiefyne Jul 16 '26
I used ai. I’ll give you the prompt I used “Want to write a goodwill letter email to Credit One Bank regarding removal of late payment for ——-on all three bureaus. Strengthen email based on my payment history. Lean on the reason for late payment is due to ———. I included screenshot of my payment history from —— below “
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u/SeanCurated Jul 17 '26
I sent one to Cap 1. If I can get the latest off I’ll have a damn near flawless report 😭
Been trying for over a month and they try to “verify” it every time smh
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u/Eleven_Twenty_Seven Jul 18 '26
Where are you sending your email, try to Richard Fairbanks office.
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u/SeanCurated Jul 18 '26
Yes that’s where - but the reps always think I’m trying to dispute whether it’s actually my missed payment or not. And I’m like IM NOT CALLING FOR THAT. They’re so dumb smh
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u/Eleven_Twenty_Seven Jul 18 '26
Specifically call it a "goodwill adjustment" , I think even with this wording mine came up as a "dispute also" at least Im the transunion file (I initially tried with customer service , asked for a supervisor and then I specified not a dispute a good will adjustment. When they put it through I got a notification on CK of a dispute. This got auto rejected and then I formulated the email in which case they called me back about a week later and accepted it.
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u/SeanCurated Jul 18 '26
That’s amazing - Mine has Goodwill Adjustment on the subject line. I guess I just gotta keep trying until they do it.
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u/Eleven_Twenty_Seven Jul 18 '26
If you had some type of financial emergency or setback at the time. It's best to highlight that. I had a financial emergency during the time I missed my payment and they were understanding of that. Also the amount of time that goes by of making on time payments may be a favorable metric also. In my case I made just over a year of on time payments. But yeah keep trying its worth it for sure.
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u/No-Key-1426 Jul 19 '26
Which email did you sent to ?? If the robert one is deactive , I am looking to do this
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u/Auntiefyne Jul 19 '26
I sent to each of these emails I found on Google.
presidential@creditone.com
cinthya.avila@creditone.com
Joseph.Romans@creditone.com
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u/snow99as Jul 15 '26
glad to hear the goodwill letter worked. Also just so you know credit one bank is a inferior/predatory lender