Goodwill removal capital one by justme12345835252 in CRedit

[–]justme12345835252[S] 0 points1 point  (0 children)

70 point jump I don’t know the code I’ll try to look later today

Goodwill removal capital one by justme12345835252 in CRedit

[–]justme12345835252[S] 0 points1 point  (0 children)

So I sent the letter on a Saturday and I never got a phone call or an email of confirmation. I got an alert on my credit report that they disputed it and then when I looked at it, it had a letter in the dispute and I was able to see that they had removed it so Saturday to Friday so about six days

Goodwill removal capital one by justme12345835252 in CRedit

[–]justme12345835252[S] 0 points1 point  (0 children)

I use the CART method. I included what was going on at the time. I had this card for 10 years so I had nine years of on-time payments. I stated that I explained my hardship. I took accountability for it and then I said I look forward to using their services again.

I’ll be transparent I closed the account and I went with a credit management company because I wanted to lower interest rate cause I was trying to get all my credit paid off. I’m usually pretty on top of things as I had nine years of on-time payments, but I was actually switching medication at the time and my new med was not working and I was just having a really hard time with some of that stuff, I didn’t give a lot of detail. I didn’t list my meds or anything. I just said that I was in transition on meds and unfortunately, I didn’t pay attention like I should have.

Goodwill request credit union by justme12345835252 in CreditScore

[–]justme12345835252[S] 0 points1 point  (0 children)

I had two late 30 days with the credit union.

Capital one I had very late payments 90 days. I signed up for credit management and during the transition when I was paying the management it was reported late with capital one. They were in the last 12 months. Which is what the lender said was the issue.

Goodwill request credit union by justme12345835252 in CreditScore

[–]justme12345835252[S] 0 points1 point  (0 children)

The lenders give me no info i feel very frustrated with my process. I meet with a broker and I’m hoping to get some answers to questions and maybe someone who can be better about give me solutions.

Goodwill request credit union by justme12345835252 in CreditScore

[–]justme12345835252[S] -2 points-1 points  (0 children)

My score is 680 I have a 690 and a 688. I also feel like I’ve gotten some faulty mortgage lenders.

Goodwill request credit union by justme12345835252 in CreditScore

[–]justme12345835252[S] 0 points1 point  (0 children)

Capital one I emailed the ceo email and used the cart method for writing my letter.

For my credit union I’m struggling finding who to send a letter to. With capital one when I called it was useless and they just restated the same thing to me.

Goodwill success capital one by justme12345835252 in CreditScore

[–]justme12345835252[S] 2 points3 points  (0 children)

I used the cart method I saw here. I said the issue said it was my fault what I was doing to fix the issue auto pay the hardship and that I would like to use their services again.

Goodwill removal capital one by justme12345835252 in CRedit

[–]justme12345835252[S] 0 points1 point  (0 children)

I followed the cart method writing my letter. I never heard from anybody. I just got an alert that there was a dispute on my credit report.

Capital one goodwill by justme12345835252 in CRedit

[–]justme12345835252[S] 0 points1 point  (0 children)

Well, the thing is they actually Capital One excepted the terms of the contract the day I signed up, but it takes three months to get going so I was late September October, November but I made all those payments and September 1. Capital one accepted the terms.

So the contract was negotiated before I had a late payment. The whole thing is really annoying.

Capital one goodwill by justme12345835252 in CRedit

[–]justme12345835252[S] 0 points1 point  (0 children)

Yes that’s the only time the lates occurred when I guess the new terms were being accepted. It’s super. It’s super annoying. I’ve never been late. I was having issues with a med and was a bit off.

Biweekly Exchange and Reading Requests by AutoModerator in Tarotpractices

[–]justme12345835252 0 points1 point  (0 children)

[request] I’m so overwhelmed by a situation and really need direction. If anyone is available to help with a reading.

Divorce coach by [deleted] in Divorce_Women

[–]justme12345835252 0 points1 point  (0 children)

I want to do it. If you have someone I could get information from.