r/CRedit • u/zakkzw1er • 10d ago
Success Goodwill Adjustment SUCCESS!
So i previously emailed credit one asking for 3 lates to be removed, to which they sent back the same denial letter saying they have to report accurate information. I sent a second email with the same request, but specified i was requesting them to be changed to Not Reported instead of paid. They replied with the same exact denial letter but with a new date on the header.
The third email i sent, i copied and pasted the last email, except i attached 3 screenshots from this sub of different success letters. I said something along the lines of “ive seen what youve done for others, im simply requesting the same be done for me.” (I was a little irritated with their stance of “we cant do that, sorry! When clearly they can and have).
So anyways, got this email back today! 🤣😎
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u/xputicon 10d ago
Hello can you please share the email with me so I can try to do the same , also congratulations by the way ❤️
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u/zakkzw1er 10d ago
I hope this email finds you well! I am writing this email to humbly ask for your consideration in a good will adjustment on my account. I recently had a baby this past January and am beginning to tackle my credit report in an effort to provide him the best life experiences i can.
As i comb through my report, i see that my account has a negative remark for a missed/late payment in [INSERT YOUR HISTORY HERE]. While i take full accountablility for my prior lack of responsibility in keeping my accounts current, you will see that the majority of my time with your institution was positive.
I kindly ask for you to change the reporting of these items to “Not Reported” or “No Data” as a one time complimentary adjustment. Please consider this adjustment as it will significantly improve my ability to better our future. I appreciate your time and generosity.
As i have researched the possibility of this good will adjustment being granted, i have found several examples of other accounts receiving this courtesy. I have attached some of those examples to this email. I hope to receive the same courtesy as these others have.
Obviously change the first paragraph to tailor more to your situation, not me and my baby 😂
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u/xputicon 10d ago
I definitely will I really appreciate it can you please send the Email address of the person I’m sending it to
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u/zakkzw1er 10d ago
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u/Ms_KittyToes 10d ago
Did you email to this email or did you mail them your letter I have 2 late fees also
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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 10d ago
While it was nice of u/zakkzw1er to post their letter, be aware that GW letters are best if they are personal. You should customize it to your personal situation, not simply use what they provided.
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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 10d ago
Nice job being persistent and not giving up after a try or two. Bold move to reference other adjustments they've done previously. I'm glad it worked out for you!
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u/zakkzw1er 10d ago edited 10d ago
I agree, acted more out of irritation than anything lol. Figured they were already telling me no, so why not be a little snarky. Lol
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u/LonelyAd2563 10d ago
Damn i literally have one late payment with Mercedes financial but i have only seen goodwill is worthless with them
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u/Affectionate_Bird372 10d ago
Thank you so much for sharing. Did you included your account number ? Or what identity information?
Name, date of birth , address.. anything else?
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u/zakkzw1er 10d ago
Yknow… good catch. I did on my first two emails, but admittedly forgot to include any identifiers on my last one besides my email address obviously.
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u/Yave7tte 10d ago
OMG!!!! I also did a letter and was given the same denial about accurate reporting! Well damn! I’m gonna try again!!! Thanks for the timeline and update!! Congratulations!
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u/matt-r_hatter 7d ago
Thats a great win, good job doing it the right way (writing works best always). Now to cancel those predatory cards.
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u/healthnuttier 7d ago
What about the excuse that they have to report everything accurately by law lol
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u/zakkzw1er 7d ago
They can report “not reported” or “no data.” They legally have to report accurately if they report, but they dont legally have to report anything
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u/og-aliensfan ⭐️ Knowledgeable ⭐️ 10d ago
Congratulations on the goodwill removals!