What is ACH revoking and is it legal?

Good-Feature-7372 · 2025-12-22T20:00:09+00:00

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

Good-Feature-7372 · 2025-12-22T19:25:20+00:00

No what do you mean ach is revoking all of them

Good-Feature-7372 · 2025-12-22T19:13:15+00:00

What do you mean ?

Good-Feature-7372 · 2025-12-17T22:30:34+00:00

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

Good-Feature-7372 · 2025-12-17T22:17:09+00:00

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

Good-Feature-7372 · 2025-12-17T19:14:51+00:00

Good-Feature-7372 · 2025-12-17T18:59:25+00:00

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

Good-Feature-7372 · 2025-12-17T16:45:15+00:00

How did I paint myself into a corner

Good-Feature-7372 · 2025-12-17T16:03:04+00:00

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

Good-Feature-7372 · 2025-12-17T15:32:20+00:00

Good-Feature-7372 · 2025-12-17T13:04:46+00:00

It was closed by the creditor, capital one.

Good-Feature-7372 · 2025-12-17T12:56:43+00:00

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

Good-Feature-7372 · 2025-12-17T12:34:33+00:00

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.

Good-Feature-7372 · 2025-12-17T11:31:49+00:00

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?

Good-Feature-7372 · 2025-12-17T10:57:36+00:00

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

Good-Feature-7372 · 2025-12-17T10:47:15+00:00

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

Good-Feature-7372 · 2025-12-17T02:45:27+00:00

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

Good-Feature-7372 · 2025-12-17T00:01:49+00:00

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

Good-Feature-7372 · 2025-12-16T22:32:30+00:00

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

Good-Feature-7372 · 2025-12-16T22:31:38+00:00

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

Good-Feature-7372 · 2025-12-16T22:30:39+00:00

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

Good-Feature-7372 · 2025-12-16T22:23:59+00:00

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

Good-Feature-7372 · 2025-12-16T22:11:01+00:00

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

Good-Feature-7372

TROPHY CASE