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 Goodwill adjustment
Posted Wed August 22, 2012 7:10 pm, by Denitra S. written to Target
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I opened an account with Target back in 1995. It was the first credit card I ever had. Recently I've started shopping around for a mortage deal. To my detriment Target is posting a 30 day late charge in 2006 on my credit reports. I sent them a email requesting a goodwill adjustment. Their reply was a resounding NO. It's one late payment and its scheduled to drop off in a few months anyway, so I don't understand their unwillingness to do this.
Remove the 30 day late on my credit reports, so I can get the best interest rate on my mortgage.
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by James S. Posted Tue August 28, 2012 @ 3:02 AM
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Why should you be given a goodwill adjustment and not everyone else?
If you were late or failed to make your payments ontime, you are
reaping your rewards. Enjoy the mark on your report. Why should I
suffer from higher payments and other fees and for that matter any
other person who carries a credit card with them because you decide to
be a deadbeat and make a late payment.
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by almond Posted Sun August 26, 2012 @ 12:00 AM
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You can't change history but you can wait for it to cycle off.
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by spunkyboy08 Posted Thu August 23, 2012 @ 2:21 PM
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I asked my fiance if he had a credit card & had made a late payment,
would he ask the credit card company to take the late payment
information off his credit report.
He said no.
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by PepperElf Posted Thu August 23, 2012 @ 11:00 AM
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plus... try searching this site to see how many people as for
"goodwill" exceptions.
sometimes the problem with this is that everyone wants to magically
change their credit history when... there's a specific reason why said
history exists for everyone to begin with.
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by spunkyboy08 Posted Thu August 23, 2012 @ 8:39 AM
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I understand that this is frustrating for you, but any company HAS to
follow the fair credit reporting act.
The problem with being sympathetic to the customers needs & feelings
is that the person or the company the customer speaks to could get
penalized for doing that. It is not a good idea for the employee or
the company to get personally involved in a customers problems.
However, the employee & the company can be empathetic to the customers
problems. When we empathize with others, we understand their feelings
without getting involved in them.
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by DejA7 Posted Wed August 22, 2012 @ 7:41 PM
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I've read on many credit boards where they've removed multiple late
payments, and have even removed negative tradelines, so I don't think
that was TOO much to ask.
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