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DansDeals Forum => Credit Cards => Topic started by: buyitnow on June 14, 2017, 12:19:16 PM

Title: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: buyitnow on June 14, 2017, 12:19:16 PM
just thought i'd share this as it might help someone out there.

i sent a letter to barclay card US requesting a goodwill adjustment to my credit report and they took care of it and my score bounced back!

the amounts that were reported were very minor but the 60 days late really made it ugly causing a heavy hit to my score. it never hurts to try and request a goodwill adjustment.

i emailed with the attached credit report to:

ExecutiveOffice@barclaycardus.com,
Amer.Sajed@barclaycardus.com

email content:

March 16, 2017

RE: Hawaiian Airline Barclay Card Credit Card: ****


To whom it may concern,

I am in the process of possibly buying a new home in the near future and one the negative factors on my credit report is a 30 day and 60-day  late payment from Barclay Card US. (Aug and Sept 2016)

I do understand the integrity of the credit reporting system and I am aware that you are legally required to report Fair and Accurate information.

The above notwithstanding, I am requesting that, as a courtesy, and given my long and very exemplary history with both BarclayCard US and many other credit institutions, you would consider a one time removal of these items from my generally excellent credit history.

Please see below the multiple reasons why I think this would not compromise the accuracy of my credit-worthiness and I am confident you will agree that in this case it is reasonable request.

1. The amount of the unpaid funds was very minor -- $30-$45 -- and actually the result of an annual fee that must have escaped my notice. Clearly this late payment was not a result of lack of funds but just an oversight.
2. I now notice that the annual fee had actually increased from the years prior from $79. I am not sure how this is even ok seeing that I was not given notice.
3. This account was transferred from Bank of America where I originally opened it and there may have been settings in place to prevent late-payments that were not transferred over to Barclay Card.
4. I had thought that I had the minimum payment on auto-pay and there may have been a glitch in the system where this set-up was not complete.

 I am not asking for a deletion of an entire tradeline or removal of multiple late-payments or serious deliqencies. Just a simple adjustment to my report so that my score should not drop so heavily for the next 7 years.

I have been a loyal Barclay Card customer for many years and hope you will consider my request favorable given my stellar reputation with your company.

Please see attached the credit reports with the items in question highlited in yellow and orange..

Sincerely,

------------------

About a month later I received a letter from BarclayCard which you can read in the attachment. very helpful and the score jumped back up with a month or two. (I didn't check exactly)


Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: 3yummyboys on June 14, 2017, 12:38:42 PM
What's your credit score? Wondering if this would work on a lower score.
Title: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: coolmuke on June 14, 2017, 02:35:56 PM
I am in a similar situation. I have a late payment of $41 from Kohl's and it has dented my score this month. How do we get the email address of who to write to?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: JACKBLUE on June 14, 2017, 02:38:43 PM
I am in a similar situation. I have a late payment of $41 from Kohl's and it has dented my score this month. How do we get the email address of who to write to?
http://forums.dansdeals.com/index.php?topic=31126.msg555209#msg555209
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: buyitnow on June 14, 2017, 05:11:51 PM
I did a search for corporate contacts and think I stumbled onto email addresses of the CEO and CCO which I guess means Chief Customer Officer.

CEO kevin.mansell@kohls.com
CCO michelle.gass@kohls.com
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: aygart on June 14, 2017, 05:45:36 PM
I did a search for corporate contacts and think I stumbled onto email addresses of the CEO and CCO which I guess means Chief Customer Officer.

CEO kevin.mansell@kohls.com
CCO michelle.gass@kohls.com
I doubt that Kohl would be able to help with this. You would need the bank which is behind the charge card.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: etech0 on June 14, 2017, 06:04:29 PM
I doubt that Kohl would be able to help with this. You would need the bank which is behind the charge card.
+1
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: buyitnow on June 14, 2017, 06:08:36 PM
good point.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: aygart on June 14, 2017, 06:10:49 PM
I think the bank is Cap one
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: crownsbroyal on June 14, 2017, 10:27:53 PM
Has anyone had any luck doing this with Chase?  I hear they are notoriously difficult to deal with in such situations.  Also, does anyone have good contacts to email such a letter to in Chase?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: S209 on June 15, 2017, 03:58:02 PM
I know someone who did this with Chase over the phone, using the regular phone channels. Though it wasn't 60 days yet.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: raflan on June 21, 2017, 02:50:04 PM
Thanks for a great story! I am in the exact same situation and have faxed a letter to Barclays to request the late removals.
I just tried to email the address (Amer.Sajed@barclaycardus.com )you listed but it is coming back undelivered.
Any advice?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Yehuda25 on November 03, 2019, 11:05:38 PM
Bringing this back from the dead...

OP just as an FYI I am 99.9% certain that this was only removed for you because it was the annual fee charged as opposed to a regular purchase.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: CountValentine on November 03, 2019, 11:25:52 PM
This is an example of the type of letter not to write.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Excalibur on November 04, 2019, 10:16:07 AM
This is an example of the type of letter not to write.
Why is that?

What would you have written?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Yehuda25 on November 11, 2019, 12:02:08 AM
Why is that?

What would you have written?
Because they don't do Goodwill anymore, has to be bank error.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Joey18 on November 26, 2019, 02:29:37 PM
Because they don't do Goodwill anymore, has to be bank error.
What would you suggest is the best idea going forward if that happened and it was an annual fee?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Malachi on November 27, 2019, 02:45:08 PM
Bringing this back from the dead...

OP just as an FYI I am 99.9% certain that this was only removed for you because it was the annual fee charged as opposed to a regular purchase.
Agreed. Are they even allowed to report non payment for annual fee as late?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: samtam on January 19, 2020, 02:47:32 PM
does anyone have any email addresses for COMENITY BANK?

thanks
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: ralph91 on August 04, 2020, 06:19:43 PM
I just called barclays to remove a late payment from an annual fee from my credit score, and they were able to do it on the phone, with out a letter being written.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: CountValentine on August 04, 2020, 06:44:04 PM
I just called barclays to remove a late payment from an annual fee from my credit score, and they were able to do it on the phone, with out a letter being written.
Great, letter should be done when all else fails.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: zagguru on August 04, 2020, 07:18:51 PM
I just called barclays to remove a late payment from an annual fee from my credit score, and they were able to do it on the phone, with out a letter being written.

What number did you call?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: ralph91 on August 04, 2020, 07:21:07 PM
The number on back of my card
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Samb on August 05, 2020, 12:19:20 PM
Agreed. Are they even allowed to report non payment for annual fee as late?
Yes sure. But they needed to send a billing statement that might have been the bank error.
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: Samb on August 05, 2020, 12:20:14 PM
I just called barclays to remove a late payment from an annual fee from my credit score, and they were able to do it on the phone, with out a letter being written.
are you sure it was reported to the credit bureaus or you just saw it late on your statement?
Title: Re: a "happy ending" story of credit-repair goodwill request from barclaycard...
Post by: ralph91 on August 05, 2020, 12:22:43 PM
are you sure it was reported to the credit bureaus or you just saw it late on your statement?
Yes, and it made my credit score go down