Chase Goodwill Letter: The Waiting Game *UPDATE (2024)

I had a student credit card my freshman year in college. Long story short, I used it and couldn't afford to pay the bill. I have three lates on my report. 2 60 days late and 1 90 day late. I emailed them my goodwill letterthrough the secured emailing system and got this email at 10pm last night:

I have now emailed the EVP of credit card services and the CEO. I am determined to get the lates removed. I have read that with Chase, its a matter of reaching the right person on the right day. I have also read stories of success in the past. So I am not going to give up.These lates are what going to hurt me when I apply for a mortgage loan. That's my main reason for trying to get them removed. Any advice on what to do next while waiting? I will keep you posted once I hear something from my emails.

0Kudos

0Kudos

I got the same response when I used the secure message center. I then tried emailing the CEO and got a response via email to call. When I called them woman said no dice. I think it's just a persistence thing. Eventually you might find someone who is in a good mood and empathizes with having fallen on rough times.

0Kudos

0Kudos

0Kudos

0Kudos

@Anonymous wrote:

Ok so I received a phone call today from the corporate office from Chase today. The lady I spoke too said she received the email (she was a different person from a different department, not one of the execs I emailed) and that she was going to look into it and give me a call back. She called me back about two hours later and stated that "unfortunately everything was being reported as accurate and that she could not make any changes because every thing was accurate. That sucks. So I'm all fresh out of options and guess I'll have to wait until 2017 until it falls off. I don't understand how some people have success and some don't. Don't get me wrong, the account is not being reported negative at the moment, its just the lates in the payment history is having a negative effect when someone reviews my credit report. The lates is what I want removed. Not the tradeline. Although having the tradeline removed would be AWESOME.

I heard this same "line" before getting 2 tradeslines removed and getting a GW adjustment to more than 8 accounts (none with Chase though). If you really want it gone, never accept that. keep goodwilling them, different departments, diff ppl , diff addresses, -- they will get sick of u and want it removed just as much as you do! Good luck!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge

0Kudos

@Anonymous wrote:

I had a student credit card my freshman year in college. Long story short, I used it and couldn't afford to pay the bill. I have three lates on my report. 2 60 days late and 1 90 day late. I emailed them my goodwill letterthrough the secured emailing system and got this email at 10pm last night:

Thank you for contacting Chase. I appreciate this opportunity to assist you with your request to remove the late payment remarks from your credit bureau report for the account ending in XXXX. I would like to assure you that your satisfaction is important to us. I have researched all available options to see if the late remark could be removed, but unfortunately we are unable to remove the late payment information reporting on your credit report for this account. To make exceptions would not be equitable to our other card members. Derogatory information is reported when an account is more than 30 days delinquent. The Fair Credit Reporting Act requires the bank to accurately report all information regarding a Customer's account history. To preserve the integrity of the credit reporting system, we are unable to alter valid information reporting to the credit reporting agencies.We sincerely apologize that we are unable to meet your expectations concerning this matter. If you have any
further questions, please reply using the Secure Message Center.

Sincerely,
Customer Support Specialist

I have now emailed the EVP of credit card services and the CEO. I am determined to get the lates removed. I have read that with Chase, its a matter of reaching the right person on the right day. I have also read stories of success in the past. So I am not going to give up.These lates are what going to hurt me when I apply for a mortgage loan. That's my main reason for trying to get them removed. Any advice on what to do next while waiting? I will keep you posted once I hear something from my emails.

I go my letter today, sameanswer, mailing the same letter again tomorrow. Good luck to all of us. And I amdisputing this wit CRA, never 30 dys maybe like 5-10.

***Nothing Beats a try but a Fail*** I refuse to fail, success is the only option.

0Kudos

0Kudos

0Kudos