Goodwill letters, round 1

For just about anything you want to get off your chest about credit cards.
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Kevin86475391
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Re: Goodwill letters, round 1

Postby Kevin86475391 » Mon May 23, 2016 1:26 pm

Congrats on the successful deletion and good luck with the rest!

That's great that all the accounts are paid since at least you won't have to worry about collections. When did the lates occur? Worst case scenario you should see them fall off your reports within 7 years (actually I think it's technically 7.5 years, but they usually remove at 7 from what I understand) of the date of first delinquency.

I've never done goodwill letters, but I think perhaps if they reject your request you can simply try continuing to ask periodically and/or trying to take the request to a higher level like an executive office.

Anyway, good luck!

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PhillyPhoto
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Re: Goodwill letters, round 1

Postby PhillyPhoto » Mon May 23, 2016 1:33 pm

Kevin86475391 wrote:When did the lates occur? Worst case scenario you should see them fall off your reports within 7 years (actually I think it's technically 7.5 years, but they usually remove at 7 from what I understand) of the date of first delinquency.

I've never done goodwill letters, but I think perhaps if they reject your request you can simply try continuing to ask periodically and/or trying to take the request to a higher level like an executive office.

The majority of it took place around Jan 2015. So, I'd like to get them off my report prior to waiting 7 years, as you can probably imagine.

I'll definitely keep trying, it's just a matter of actually sitting down and writing them. I'll keep the executive level in mind for sure!
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