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karenbrittain1

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Unforseen death of 28 y.o. son
My husband & I lost our 28 y.o. son unexpectedly caused us to be hospitalized. I feel contingencies should be made for late payments when circumstances are out of our hands. You will notice that all payments are now up to date as most were on direct withdrawal with the exception of AmEx. Could we get this retracted from our report? Thank you. Karen Brittain

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First, this is a public forum, so you may want to flag your post (little flag next to "reply" on your post) and ask Credit Karma to remove it since you posted your name. As far as making changes to your credit reports, Credit Karma does not have the power to do that. What you should do in this case is to try "Goodwill Letters" (do some reading on how to write those) and send them to the creditors (credit card companies, loan co. etc) that have the late payments posted. A "goodwill letter" is basically a letter to the lender telling them of your reasoning for the late payments and begging them for forgiveness and the kindness to remove the negative info from your reports. While these letters usually do not work, sometimes they do, so it may be worth a try. From the reports in where they do work, most of the successful folks say that it took many letters to get it done.

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Nomadre

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Very well said, and the goodwill letters are a good idea even though I would still suggest calling along with the letters as i have had some luck on the phone.

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Karen,

First I am sorry for your loss and medical issues dealing with it.

There is no one from CK that posts on these boards, we are just people like you who get together to share knowledge on credit scores.

You will find that lenders feel you should have enough in saving and retirement funds to cover just these type of unforseen events so they will most likely do nothing to help. BUT you CAN talk to the lenders directly.  If you have very good history with them many will forgive a one time issue, but it is only up to the lender if they will do so, and they will chose to report a change to the credit agencies they deal with.  Remember that TU/EQ/EU are only data warehouses to store what is reported about your fullfilling contracts with lenders.

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