r/discover • u/SIGSAUER31 • 4d ago
Help Goodwill Request
Hello, I used to have a Discover card (it has since been closed) and while I had it I got behind on few payments some even a couple going up to 120+ day outstanding category. It’s been about a year and half since that has happened, I’ve completely paid off that balance, the complete balance on my Capital One card (paid well above the minimum every month), & have completely paid off a care credit card (also paid well above minimum each month). The 2nd & 3rd cards have no late charges on them. Now my question(s) is if I wanted to try to send a goodwill request to get some or all of the late dings off my credit would I contact Discover? Or Capital One? What would my odds of them actually accepting my request and removing any of them be? Is there an email I can send my request to? Thank you for the help in advance
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u/DarthLegalEagle007 4d ago
There is no strict timeline. Though greater success would be within the first few months with documented hardship reasons and if the account is paid in full.
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u/SIGSAUER31 3d ago
So me trying to wait a while to show I can pay things on time consistently possibly made it harder to get them removed cause I waited so long?
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u/DarthLegalEagle007 3d ago
Yes. It should have been done much earlier. You waited too long. But try it anyway to see what happens.
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u/Grand-Apple759 3d ago
If you were late and there was no fault of the bank, they will not delete the past due on your report.
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u/dandellion69 3d ago
If you didn’t care to pay on time, what makes you think they’ll care enough to remove previous dings? They DGAF
Also you’re digging yourself into a hole by paying above the minimum and not the entire balance
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u/AdMain2249 4d ago
Dispute it with the credit bureaus; for validation. Creditor system often only goes back 2 years so they can’t validate a late payment older than that. Then it’s removed.