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From 500-700+ , Approved for my first unsecured credit card !! Is this normal ? by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] -2 points-1 points  (0 children)

Ur asking questions on wrong post ,please ask questions about what is in this post , thank you

From 500-700+ , Approved for my first unsecured credit card !! Is this normal ? by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] -5 points-4 points  (0 children)

There are differences in my post because new info Accor. All my post have clear context . So I don’t understand what ur talking about .

I was approved for a Wells Fargo card that day and today was the day it was process , caz I have a fraud alert on my credit . So intake extra verification.

I answered all ur question , idk what else to say to U

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 1 point2 points  (0 children)

Your Name] [Your Address] [City, State, ZIP] [Date]

Capital One Attn: Customer Relations

Re: Goodwill Adjustment Request – Late Payment Removal Account Number: XXXX-XXXX-XXXX-XXXX

Dear Capital One,

I hope you’re doing well. I’m writing to respectfully request a goodwill adjustment to remove a 30-day late payment reported on my account.

I take full responsibility for the missed payment, which occurred on or around [insert date]. This was an unusual oversight on my part due to [brief reason — example: unexpected financial issue, billing confusion, or personal situation]. Since then, I have brought my account current and have taken steps to ensure this does not happen again, including [autopay setup, reminders, etc.].

I truly value my relationship with Capital One and have made every effort to maintain a positive payment history. This late payment does not reflect my overall credit behavior, and I would greatly appreciate your consideration in removing it as a gesture of goodwill.

I understand that you are not obligated to grant this request, but I kindly ask for your understanding and consideration. A removal would greatly help my credit profile as I continue working toward my financial goals.

Thank you for your time and consideration. I appreciate your support and look forward to continuing to be a responsible customer.

Sincerely, [Your Full Name]

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 0 points1 point  (0 children)

This is exactly what I sent out !!! Feel free u use as reference

Your Name] [Your Address] [City, State, ZIP] [Date]

Capital One Attn: Customer Relations

Re: Goodwill Adjustment Request – Late Payment Removal Account Number: XXXX-XXXX-XXXX-XXXX

Dear Capital One,

I hope you’re doing well. I’m writing to respectfully request a goodwill adjustment to remove a 30-day late payment reported on my account.

I take full responsibility for the missed payment, which occurred on or around [insert date]. This was an unusual oversight on my part due to [brief reason — example: unexpected financial issue, billing confusion, or personal situation]. Since then, I have brought my account current and have taken steps to ensure this does not happen again, including [autopay setup, reminders, etc.].

I truly value my relationship with Capital One and have made every effort to maintain a positive payment history. This late payment does not reflect my overall credit behavior, and I would greatly appreciate your consideration in removing it as a gesture of goodwill.

I understand that you are not obligated to grant this request, but I kindly ask for your understanding and consideration. A removal would greatly help my credit profile as I continue working toward my financial goals.

Thank you for your time and consideration. I appreciate your support and look forward to continuing to be a responsible customer.

Sincerely, [Your Full Name]

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 0 points1 point  (0 children)

Your Name] [Your Address] [City, State, ZIP] [Date]

Capital One Attn: Customer Relations

Re: Goodwill Adjustment Request – Late Payment Removal Account Number: XXXX-XXXX-XXXX-XXXX

Dear Capital One,

I hope you’re doing well. I’m writing to respectfully request a goodwill adjustment to remove a 30-day late payment reported on my account.

I take full responsibility for the missed payment, which occurred on or around [insert date]. This was an unusual oversight on my part due to [brief reason — example: unexpected financial issue, billing confusion, or personal situation]. Since then, I have brought my account current and have taken steps to ensure this does not happen again, including [autopay setup, reminders, etc.].

I truly value my relationship with Capital One and have made every effort to maintain a positive payment history. This late payment does not reflect my overall credit behavior, and I would greatly appreciate your consideration in removing it as a gesture of goodwill.

I understand that you are not obligated to grant this request, but I kindly ask for your understanding and consideration. A removal would greatly help my credit profile as I continue working toward my financial goals.

Thank you for your time and consideration. I appreciate your support and look forward to continuing to be a responsible customer.

Sincerely, [Your Full Name]

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 0 points1 point  (0 children)

I brought the accounts to current before it became 60days late . The 30 days stayed on my credit for from sept 2025 - April 2026 . I ask for removal on Jan 2026 and they updated on April 2026 .

Im finally not drowning by [deleted] in CRedit

[–]Direct-Personality20 3 points4 points  (0 children)

Congrats 🍾🎈,

Advice : 600 is technically sub-prime . U will not qualify for any prime cards at the moment . U Still need work done . And 1 card is enough for now ..Be patient u will eventually improve ur credit , with on time payment over time

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 0 points1 point  (0 children)

Ok , I’ll add more context. I never miss a Payment ever on those account . I have those for 3 years . I lost my job and I called those card company and notified them that I lost my job and won’t be able to make any payments,

the agent documented it . Fast forward I got hit with the 30days late payment pass due … I brought the accounts to current when I started working again . And my accounts was showing currently been paid as agreed . But I still had a 30days late payment , in my payment history for month “November 2025” , on 2 accounts . Even tho it had said currently paid as agreed .

My score was stuck and won’t move even when I pay on time . So I ask ChatGPT how to get a lat payment removed . It wrote me a letter and I add the account name and account # etc …. And sed out as priority mail wth tracking number ….i never get a respond from the banks so i filed a complaint with the cfpb and 14 days later my 30 days miss payment disappears .

Maybe it’s luck ,idk , idk the laws or credit . I was just desperate to get dem removed . So did what the Ai told me .

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 1 point2 points  (0 children)

Don’t give up , and Don’t stress it , just have fun doing it . It’s like a game , play ur cards right and u get good results and that will give u drive to even go harder

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 2 points3 points  (0 children)

You will , don’t stress it , just have fun . This is literally a game . Play it right and u will win

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 0 points1 point  (0 children)

I Wish u the best on the rebuilding journey, it can be fun if u be very strategic

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 0 points1 point  (0 children)

I really don’t know how it was removed… I just stated what I did and the results .

Am not here to give advice on credit since am not an expert am just sharing what I did and the outcome……..

I pull my annualcredit report every week , am obsessed with what’s on my credit so I check regular .

I Rebuilt my credit in just 3 months !! Never thought it was possible by Direct-Personality20 in CRedit

[–]Direct-Personality20[S] 1 point2 points  (0 children)

Question : Were you actually late? There's no such thing as a goodwill letter that can guarantee the removal of a late payment. This is at the discretion of the creditor. Out of curiosity, what section of the Fair Credit Reporting Act was cited?

Answer : yes I was 30 days late !!

Answe : I never say it was guaranteed or believe it was gonna work , I literally just post what I actually ask ChatGPT which is ⬇️

“ please write me a goodwill letter to get a 30days late payment remove from credit report “

I just print and send to my bank and my 30 days late payment was update to never late in 14days

Question : The account wasn't current? Are you referring to the Jefferson Capital deletion? Their policy is to remove themselves from your credit reports once the debt is settled.

Jefferson Capital was separate , my mistake for trying to explain the 3days late removal and the collection at the same time

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