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 Goodwill Request
Posted Sun June 8, 2008 6:00 pm, by Jason C. written to Capital One Financial
Write a Letter to this Company | Rate this Company
Regarding: Account No. XXXX
To Whom It May Concern:
I am writing a letter about my experience with Capital One that is a mixture of a grateful "thank-you" and a pressing request concerning a Capital One auto loan in my credit files that I would like to have revised.
I received the auto loan in 2004. At the end of 2006 after moving and with increased job demands, I became disorganized with respect to, as you saw, making timely payments with Capital One. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Capital One since that time.
To be honest, that year was a "wake-up" call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Capital One late entries -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.
We are about to shop for a mortgage, and it has come to my attention that the late notations from Capital One may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service repesentative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.
Very hopefully yours,
Jason XXXXXX
Brandon, Florida
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Consider saving some money, and buy a fixer upper, foreclosed, etc
home. Fix it up when you have the extra CASH. Then one day you will
have a beautiful and PAID OFF HOUSE!!!
That is how my wife and I did it. We did some very small, easy stuff,
but most of it was contracted out.
100% of all foreclosed houses had mortgages. The borrower is slave to
the lender.
Btw, if you play with the snakes, you will eventually get bit. Cut up
your credit cards and live on what you earn. Life is less stressful
and more fulfilling.
Good Day
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by Donno Posted Sun June 8, 2008 @ 9:33 PM
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Jason - you wrote a very nice letter (it sounds very familiar, but I
can't find that you already posted it), but it may not get the result
you desire. If I messed up on a payment, I would expect that to
follow me for many years. This has only been a couple of years, and
it sounds like more than one payment was involved. Good luck though.
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So you want them to help you lie about your debt repayment history so
you can get a lower mortgage rate? Then what's the incentive for
people to lead fiscally responsible lives if a polite letter begging
for a white-washed credit history makes up for past mistakes and
transgressions?
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Okay.
by treski Sun September 28, 2008 @ 9:54 AM
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SHARED LETTERS 
del.icio.us
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