Tired of the disputing your late
payments with 609 letters and sending
them through certified mail and waiting
30-45 days for a response? In this
E-book I will show you how to get those
late payment removed quickly.
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STEP 1
You will need to find the creditor company CEO email based on the list provided
below on Page 6.
If you don't see the creditor company name, simply do a google search
"(name of company + CEO email).
If you can't find the CEO name or email, use LinkedIn. If you still don't have luck find
the company CEO email: Go to rocketreach.co and create a free account to search
email addresses.
Tip:
Don’t add the m at the end of com i.e. (name@company.co)
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STEP 2
Use the Goodwill Email Template on Page 6 You can customize
the email to your circumstances.
NOTE: Do not attached the goodwill email
template as a attachment, paste the Goodwill
letter in the body of the email.
NOTE: If you have more than 4 late payments
and your account is going into collections or a
charge off account due to late payments, then use
the goodwill email letter and change the verbiage
and ask them to remove the account from your
credit report.
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STEP 3
The email subject should say
"Goodwill Adjustment Request"
STEP 4
Please wait for a response, they will respond within 48-72
business hours by email with confirmation of your email.
Some CEOS will call you to let
you know they have removed
your late payments so be sure
to look out for any out of state
or 1-800 phone calls during
this time.
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CEO Emails
Capital One
Rich.Fairbank@Capitalone.com
Credit One
robert.dejong@creditone.com
Experian
brian.cassin@uk.experian.com
Equifax
dann.adams@equifax.com
Transunion
mike.gordon@callcredit.co.uk
Navient
jack.Remondi@Navient.com
Discover
rogerhochschild@discover.com
Nordstrom
blake.nordstrom@nordstrom.com
PRA Group
david.sheridan@aktiv-kapital.co.uk
General Motors
(GM Financial)
mary.barra@gm.com
Santander
mabdulhadi@santanderconsumerusa.com
Sprint
michel.combes@sorint.com
JP Morgan/Chase
jamie.dimon@jomchase.com
American Express
steve.squeri@aexp.com
Apple
tcook@apple.com
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Wells Fargo
Socialcare@wellsfargo.com
Citi
michael.l.corbat@citi.com
Bank Of America
brian.t.moynihan@bankofamerica.com
Navy Federal
mary mcduffie@navyfederal.orq
US Bancorp
andrew.cecere@usbank.com
Us Bank Home
/Mortgage
rick.Aneshansel@usbank.com
USAA
stuart.parker@usaa.com
Kia Motors
sean.yoon@kia.com
Mercedes Financial
nicholas.speeks@mbusa.com
Lexis Nexis
michael.walsh@lexisnexis.com
Barclay Bank
barry.rodrigues@barclays.com
Synchrony Financial
margaret.keane@synchronyfinancial.com
First Premier
dana.dykhouse@firstoremier.com
Ford Motor
wford@ford.com
Ally Financial
jb@ally.com
BBT/ Truist
ksking@truist.com
Citizens Bank
bruce.vansaun@citizensbank.com
Mariner finance
jjohnson@marinerfinance.com
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Goodwill Email Template
Your Name:
Your Address:
Account Number:
Date:
To Whom It May Concern:
Thank you for taking the time to read this letter. I’m writing because I noticed that my
most recent credit report contains a late payment reported on “DATE” for my Capital
One Credit Card account.
I want you to know that I understand my financial obligations, and if it weren’t for
“INSERT REASON (hardship, etc)”, I’d have an excellent repayment record. I made a
mistake in falling behind, but since then, I’ve made my finances a priority and have
organized all of my accounts and payment due dates, both on my computer and on
paper, along with notifications and reminders for each one. Since then, I’ve had a
spotless record of on-time payments.
I’m planning to apply for a “INSERT MORTGAGE, LOAN, ETC), and it’s come to my
attention that the missed payment on my record could hurt my ability to qualify. I truly
believe that it doesn’t reflect my creditworthiness and commitment to repaying my
debts. It would help me immensely if you could give me a second chance and make a
goodwill adjustment to remove the late payment in “INSERT DATE”. Thank you for your
consideration, and I hope you’ll approve my request.
Best,
YOUR NAME
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SECOND METHOD
USE THIS METHOD ONLY:
IF YOU SIMPLY CAN NOT FIND THE COMPANY EMAIL OR CEO EMAIL.
GO THE COMPANY FACEBOOK BUSINESS PAGE OR LINKEDIN AND
MESSAGE THEM THE GOODWILL LETTER THROUGH MESSENGER.
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FREQUENTLY ASKED QUESTIONS
Q
Will this method work on active accounts?
A
Yes, this method works great on your current and open accounts.
Q
How will I be contacted?
A
They will either call or email you with their response, so try to look to out
for any out of state phone numbers.
Q
What If I have more than 5 late payments on an active account?
A
This method works great for 3-5 late payments. If you have more than 5
payments still include all of your late payments in the letter.
Q
Will this work for an account that is placed for collection with
late payments?
A
If your account is placed for collection, I would dispute the account for
reporting inaccurate information regarding late payments. A collection
account should not include late payments once it's in collection.
Q
Will this work with mortgage companies?
A
Yes, I recommended getting in contact with the CEO of the mortgage
company and letting them know your situation.
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Q
What If I can't find the company CEO's email?
A
If you're unable to find the CEO email, I recommended reaching out to
them by social media or you can mail in the letter to their address.
Q
Should I include my contact information in the email?
A
Yes, please include a good contact number for them to reach you at.
Q
I sent the email but I haven't got a response from them yet.
A
If you have not received a response from them yet, you can also fax the
letter or mail the letter to the company address. Make sure to address the
CEO in the letter.
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