30 Day late / Goodwill

[strive4credit]

I have been successful thus far getting lates removed via goodwill letters, (HSBC, Citibank).

But now a local bank is playing hardball. My account had been lagging behind for months but I was always able to pay before the 30 days. But I slipped up. So when it finally caught up it got reported to Exp. I am not sure about the other CRA.

Sent a goodwill, rejected. Went to someone else, no dice. Went to the branch manager to get his help, he tried, nothing.

Apparently the higher up that these letters go to is a legal eagle and I think he thinks there will be some kind of legality he would violate if he helped me.

What should I do?

[JeremyKean]

Originally Posted by strive4credit

I have been successful thus far getting lates removed via goodwill letters, (HSBC, Citibank).

But now a local bank is playing hardball. My account had been lagging behind for months but I was always able to pay before the 30 days. But I slipped up. So when it finally caught up it got reported to Exp. I am not sure about the other CRA.

Sent a goodwill, rejected. Went to someone else, no dice. Went to the branch manager to get his help, he tried, nothing.

Apparently the higher up that these letters go to is a legal eagle and I think he thinks there will be some kind of legality he would violate if he helped me.

What should I do?

Research the law to see if there is an issue, (there isn't one) send another letter with the proof that it is up to them what is reported monthly. As a backup, I would see if there is anything else about the account that is wrong, ex: account numbers status, etc....you may end up getting it deleted if they dont update or do not respond to the CRA's investigation

[chane]

Yea, credit reporting is voluntary. Many creditors will tell you they can't remove a payment or an account or whatever...it may be their company policy not to, but it's not illegal.