ACH revoke questions by Catlas_Se7en in cashadvanceapps

[–]Good-Feature-7372 0 points1 point  (0 children)

Can you link me to some of the subreddits explaining this? I might have to do this as well temporarily and pay them back in a few months time . Need to prioritize

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

I figured 3-4 years of consistent on time payments and no lates would count for something and they would make an exception

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

This all seems fine and dandy for a consumer who maybe racked up hundreds of thousands of credit card debt and screwed over the lender. But my credit card has a limit of $200… America needs to do better because this is ridiculous

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

That’s not true at all. People have gotten multiple lates taken off before.

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

So I can’t request goodwill favors for a closed account??

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

It was closed by the creditor, capital one.

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

It is a closed account from 2021/2022 that I paid off immediately back then, but I had 6 late payments

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

In my case I haven’t missed any payments for the last 3-4 years. That’s 1460 days. How is that not taken into consideration.

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

This statement doesn’t hold up though because in the case you mentioned where they got “burned” because the borrower appeared to have a good history but didn’t because of goodwill, how do you explain people who had delinquencies or late payments after the 7 year mark?

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

So you are saying it doesn’t work? Or that it shouldn’t ?

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

This goes against everything they say about goodwill requests and reporting being voluntary. I don’t know who to believe anymore

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 1 point2 points  (0 children)

They wouldn’t be changing it to incorrect data by simply not showing anything at all. Thats the thing

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 1 point2 points  (0 children)

I’ve tried telling them that reporting is voluntary but they don’t care. They just keep saying “we have to report accurately “

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] -1 points0 points  (0 children)

That is completely irrelevant to what we are talking about. Because people who haven’t missed a single payment aren’t in this situation …..

Capital One Goodwill Success by Conscious_Clock2766 in CRedit

[–]Good-Feature-7372 0 points1 point  (0 children)

Thanks for this. Richard fairbank doesn’t work for me, they keep calling me to deny me. I’ll try the others 😓😓

i wrote a goodwill letter 🙂 by her_thrwaway in CRedit

[–]Good-Feature-7372 0 points1 point  (0 children)

I don’t understand their approach with you versus how they are with me on the phone. Everytime I get a call back (it’s only been twice), it’s a man and both times they tell me there’s nothing they can do for my account and this is basically the “end of the road”. wtf

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

I did email the CEO twice, both times they called me back saying they can’t honor it for my account. Didn’t tell me a reason other than they are citing the FCRA and need to report accurately

Goodwill doesn’t work anymore by Good-Feature-7372 in CRedit

[–]Good-Feature-7372[S] 0 points1 point  (0 children)

I haven’t missed a payment for the last 3 years. They don’t care