Hello! This is the first time posting to the site, but I am very happy for the great information posted here!
For a little background information: I had several accounts, mostly student loans, that I had let slip into default several years ago. About 4 years ago I brought most of those accounts out of delinquency and into good standing. Although I have paid on all my accounts without missing any payments for more than 2 years, some of the accounts are still listed as derogatory because of the past missed payments. I had sent the "goodwill" letter (from a sample that I found here) to ask for the creditors to "forgive" the past derogatory information. I was surprised that a couple creditors agreed to reverse the negative information, but there are a couple that refused to reverse the information.
Now comes my question: Is this the end of the line and I have to live with this derogatory info forever (or until SoL runs out and it falls off my report)? Or, should I re-send the letters and hope for a different response? Or, is there another avenue to have this info expunged?
Thanks in advance for your help!
I always say send to more than one direction, look for address on their web site, look for address on billing statement, look for address on the credit reports. Start a letter campaign sent letters out every 6 months, eventually you will get someone that may help you, sometimes just sheer persistence can pay off.
Even thought the late listings are negative, the whole account itself is positive, you would not want to dispute this with the credit reporting agency and risk deletion. But that also depends on how late they were, if it was just a matter of 30 / 60 day late. Or if it was 120 / 150 days late.
Another thing when you go for new loans, usually lenders are only concerned with the recent 2 years, any thing beyond that they tend to ignore.
Goodwill leters and refusals
Welcome to this community :)
I agree with Nightstar. You can try sending the goodwill letters to different addresses of the same company. Someday, they may agree to your request. Do always remember to send the letters through certified mail, requesting a return receipt.
Another thing is, can you tell me what is the status of these accounts on your credit report? If they are reflected as "Paid", the negative impact of the listings lessen.
Hope this helps.
BIGSARGE.....glad to hear you had a few of the debts settled. That will look better on your CR. I had a Student loan, in default, YEARS ago. It seems like it stayed, on my credit 'forever'...LOL I did alot of calling, etc., and finally got the Student loan OUT of default. Sounds like you're REALLY working to straightened out your credit..good for you!! I hate to say, not ALL places will take 'Goodwill' letters. I've tried that a few times. Keep persisiting!! CINN....what is a 623? Never heard of it.
I DO want to add, OP< that an item won't 'fall off' after the SOL expires. When the SOL expires, it means that the Creditor can no longer try and collect the debt. I think negative items stay on your CR for 7 years (and so many months).
the SOL has to do with the civil liability for the account. The OP mentioned that all accounts were brought into good standing so there is zero liability here.
I have never thought that good will worked and you already tried it so I would try 623. google it or check out my signature.
Thanks everyone for the advice! As I had said earlier, the accounts that I tried the goodwill letter on are currently in good standing, but were significantly (120+ days) late in the past.
One of the accounts that responded (negatively) to my goodwill request was a credit card in which I was only an authorized user. The credit card company (Bank of America) stated in their letter that I can request to have my name removed from the account and I then would not be able to obtain account information on that account. They stated that they considered my inquiry "resolved". They did not say anything about removing the tradeline from my CR. So if I were to request my name being removed from the account, would I then get stuck with the negative tradeline?
Especially for the more stubborn creditors, I will give the 623 a shot. I will be sure to post the results when I get them.
Goodwill letters often come as a surprise, are greatly appreciated, and are an effective way to build relationships.
Whether expressing gratitude, appreciation, recognition, or condolences, be sincere in your remarks. Most people can tell when you are not.
Keep your letter focused on the recipient, not on yourself or your company.
Do not write this letter solely for the purpose of making a sales pitch. The purpose of this letter is to spread goodwill, without promoting any hidden agenda.
Keep your letter brief.
Be specific when writing this letter. For example, rather than writing vague generalities about a job well done, include details that demonstrate what the person did to deserve the recognition.
Try to stay away from clichÃ©s and canned expressions. Be creative.
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discovering the right Tinder match
perhaps you have had experienced a lucky streak of attractive faces on Tinder, Pre empting a decision to regularly swipe right for 'yes'? Well your online dating habits might not be down to sheer overall appeal fortune.
New research from the University of Sydney shows that your Tinder swiping habits might be less to do with your own individual taste and more to do with the link between your brain and vision, When using latina women dating a fast paced 'yes' or 'no' international dating app like Tinder.
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on the flip side, App users are more inclined to judge a potential suitor's profile photo as ugly and swipe left for rejection if they thought the earlier image was unattractive.
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Over 30 female participants were asked to rate 60 male profile pictures from a dating website as attractive or being unattrative.
"The brain assumes you are still looking at an object and continues to see that image, For under a minute, it may seem have already turned [up your eyes away]. the result is that the brain will think the second image is actually the same person as the previous suitor,
Dr Taubert and her colleagues ran two sets of experiments mimicking the swipe left or right option posed by Tinder and other online dating sites.
Over 30 female participants were asked to rate 60 male profile pictures from a dating website as attractive or plain.
A profile picture was shown on a screen for 300 milliseconds in each test. The photo was then substituted for a white cross, Which remained visible until the participant rated the picture as attractive or ugly.
"This theory applies to other senses but with what other sense organization judgements so fast? In this example of online dating sites, the web is driving you to make judgements in a very quick manner.
The brain is establishing those faces over time but making little mistakes. There are other cues present to tell the brain that this is not the case but it does not catch up.
"You are rapidly changing visual identities. And there's a bit of a time lag there of temporal resolution.
"The brain is bringing in those faces over time but making little mistakes. There are other cues present to tell the brain that this is not the case but it does not catch up That could mean you are losing out on key information,
The neuroscientist says the visual effect is within the car trickery posed by 'the dress' last year (named 'Dressgate') Where an internet photo of a blue black dress went viral, delivering heated online discussion about the true colour of the dress, Revealing differences in human colour perception.
"Your brain might be telling you a beautiful lie about what you are looking for so you buy it 100 per cent. But what you see is just your brain's design of what it thinks is important in the scene. So we have to be conscious of that when making decisions about what we see,
Based on the findings of this uniform dating app study, Dr Tabuert recommends that users take their time when looking at profile photos and making decisions about the true attractiveness of potential matches.
"This study serves as a nice cautionary taleYour brain wasn't made to help remedy information rapidly as you swipe from one face to the next, So you might be missing information along the way. These dating apps don't take that into consideration. So obstruct.
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BREAKING ISRAEL SAYS CEASE FIRE violated: For 70 hrs,various, there was relative peace. But as has proven true over and over in relations between Israel and Hamas controlled Gaza it didn't last. Two hours before a 72 hour cease fire ended up being to expire, And as talks continued in Egypt aimed at boosting it, An Israeli military spokesperson told CNN that a rocket from "Gaza terrorists" Struck in the Hof Ashkelon area of southern Israel on sunday night. ended up no initial reports of injuries or damage. Jethro Mullen, Antonia MortensenandReza Sayah
OBAMA CAMP KNOCKS CLINTON IN dangerous POLICY SPAT David Axelrod, Former adviser to President obama, Hit back Tuesday against Hillary Clinton's recent judgments of Obama's foreign policy.
only so i can clarify: "avoid stupid stuff" Means stuff like occupying Iraq right off the bat, Which was a tragically bad decision.
In a conversation with "The atlantic" Published over the past weekend, Clinton argued the decision not to arm Syrian rebels early on had led to Islamic militants taking over swaths of territory in the community. the first sort secretary of state also took a swipe at an oft repeated phrase Obama uses to sum up his foreign policy choices "don't do stupid stuff, "Great nations need organizing standards, And 'Don't do stupid stuff' is not an managing principle, Clinton recounted. Senator simply the Iraq War.
HAPPENING NOW obama to speak about Iraq at 4:45pm from Martha's winery. stay tuned live on CNN.
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Canada a hotbed of online dating sites
And Canada is also home to one of the world's busiest dating sites and one of the web's most unlikely testimonials.
When kesha recently unveiled her big budget video for "phone number, Fans couldn't help but notice the blatant product placements strewn all over, From some of the world's most familiar brands. local Markus Frind.
Not bad for a homemade website that started as an experiment in learning a education language in 2003. And it was run entirely as a one man show until Frind recently started hiring some people to help manage the massive website that competes against corporate heavyweights.
"It was the ideal idea, an ideal execution, the required site and it was free. Everything else at the moment was paid, So I guess that was the integral part of it, reads Frind.
The site recently surpassed 105 million logins in a month, Frind tells, With possibly 1.5 million people venturing daily, And as much as 380,000 voicemails were being sent between members an hour.
in order to Comscore, Plenty of Fish is second to only eHarmonyin Canada as far as unique monthly visitors, it is No. 1 in one payemnt visits, With three times eHarmony's web page. 3 in unique visitors but again gets increased traffic than any other dating site.
While other dating site are struggling to grow, numerous Fish keeps chugging along.
"The dating category is actually moving down some more (In specific traffic), recounted Bryan Segal, ComScore vice president of sales.
"But Plenty of Fish has definitely shown growth over time while that is a has relatively stayed stable.
"Maybe economics receive play because it's free,
If you logged on to sufficient amounts of Fish back when it launched and revisited it now, right after wouldn't be all that striking.
by using 2003, The site's design and cosmetic look was pretty basic. Plenty of Fish looked fault the underdog alongside its slick competitors.
these types of years later, The site's design has had only minimal touch ups and looks beautiful moldovan women positively primitive compared to others. But Frind says he's not bothered by his site's dated design, and neither are users.
"this can be a tool, a computer program, Frind replies. "If you're using a spoon or a fork you may not care what it looks like? you use it to eat. you use this dating site to meet people. These other stuff, the appearance of it or the feel, All that stuff really doesn't matter,
Even the functionality of the site has seen relatively few changes in seven years which in Internet years is an eternity.
"I tinker with it barely. I've tested a large number of stuff, But usually every change I make clarifies that it's worse, he admits that with a laugh.
"At its core it's always the same.
While his competition spends untold millions on selling, Frind relies mostly on word of mouth and says the web advertising he buys brings in a tiny percentage of new business.
"you just need to a product that works and then people tell their friends to go to the site because it works, He says and claims the site is liable for one million relationships a year.
betty Kaplan, Plenty of Fish's vice chairman, Wouldn't say what was paid for the appearance in the Lady Gaga video since it was part of a larger advertising with the singer. But she said it was good affordable.
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A Bay Shore neighbourhood is fighting against a plan to build an assisted living facility in their community.
A Bay Shore locality is fighting against a plan to build an assisted living facility in their community.
Smart TVs are generally hacked into, while using FBISmart TVs could be hacked into, as per the FBIUpdated: tuesday, December 3 2019 5:17 evening EST2019 12 03 22:17:04 GMT.