To whom/where can I send my Goodwill Letter ?

Aug 222010
 

Hello,

 

This afternoon, I spent a considerable amount of time writing a goodwill letter to Chase Bank in hopes that they will remove late payments on my now closed Chase credit card from 2008 and 2009. I have been reading the FICO boards and have seen that the people who have experienced the most success have addressed and mailed their goodwill letters higher up the food chain. I am writing because I have researched on the internet for quite some time and have not found any other reliable address for Chase or its CEO/CFO other than the address that appears on my credit report. Can anyone refer me to a website/address that would provide me with a more direct person (or address other than a PO Box) to which I can send my letter? Thank you!

 

Best,

 

Seeking Perfect Credit

OC vs. CA question – medical but not doing HIPAA

Mar 172010
 

For one particular entry on my CR, there is *only* the CA reporting.  When I called them, they sent me 3 separate Dunning notices, one for the amount on my CR.  The rep said they automatically delete if I PIF – his manager said she wouldn’t / couldn’t do it in writing because they do this stuff through letters their lawyers have already crafted.  She also said that they weren’t already reporting and that they hadn’t sent me anything about the debt yet and that because of that, if I paid within 30 days of receiving them, it wouldn’t be reported in the first place (I was arguing with her about that because I had called because of an item *ON MY CREDIT REPORTS*).  I have since contacted the OC (not reporting) to ask about paying / how much / who to pay.  The OC gave me a single total that coincides with the sum of the 3 totals from the CA, and an address and phone number separate from the CA.  Am I right in thinking that I can pay the OC and they will pull back the debt from the CA (so the CA cannot continue to report it)?