soulsnatcher264

[Dom Lucre | Breaker of Narratives @dom_lucre]

🔥🚨LATEST: Former President Obama who stands at 6 ft 1 alluded to President Trump who stands at 6 ft 3 of being afraid of him and avoids talking to him in person the way he does online because ‘he knows better.’

[DabTheInk @DabTheInk]

Barack Obama is a CLASS ACT but STILL gangsta wit it 🤣🙌🏾

#Obama #Barack #MichelleObama #politics #class

[!Nspirenaire〽️ @Inspirenaire]

This is a good share for the many of us that may not be aware.

[Prime AI @primemans]

Your AirPods Pro are FDA-approved hearing aids.

You paid $250 and never activated it.

That's 1 of 12 features that Apple buried in Settings.

Here are the 12 (save this):

[Living Tricks @LivingTricks_]

🪰 Got a fly problem at home?

This simple DIY trick gets rid of them without any toxic products.

[Don Salmon @dijoni]

One more young black man lost his life in South Carolina by a bunch of evil people. Family .

[SKI @skiistiredasf]

100% of the graduating class at this outstanding Black-owned private high school walked across the stage and every single senior has been accepted into college!
These sharp young kings represent years of dedication, strong leadership, rigorous academics, and unwavering support. From the classroom to the future, they’re ready to make their mark.
This is what Black excellence in education looks like. Massive congratulations to the graduates, their families, teachers, and the entire school community! Keep soaring.

[WOOK! @madeyawook]

23 Year Old Daniel Cressy from New Orleans just became the First Person in Louisiana to be Cured of Sickle Cell through Gene Therapy🔥🔥🔥

[Don Salmon @dijoni]

Young African-American sister was thrown hanging from a tree in Florida. For the record, we do not hang ourselves. and this took place on Juneteenth.

[GorgeousDreamer @DrianneBelleza]

5 vegetables that pull sugar out of your blood

[Wambua @Itswambuaa]

This is how to download a cracked Microsoft Office 2024 & 2024 and activate it permanently.

Try it and thank me later.

[hunter @hxxntrr]

You paid your credit card 31 days late one time in 2022 and it's been destroying your score for 3 years

That single late payment is costing you 60 to 100 points on your FICO

One email to the right person at the bank deletes it like it never happened

It's called a goodwill adjustment and the banks process thousands of them every month while telling you on the phone that "we cannot modify accurately reported information"

The phone rep is reading a script. The script says no. The person who reads the email has the authority to say yes

The goodwill letter works because banks have internal "goodwill adjustment" or "courtesy deletion" programs that give specific teams the authority to remove accurately reported late payments as a customer retention gesture. These programs exist at every major bank. They're not advertised. They're not on the website. They're processed by a department you'll never reach by calling the 1-800 number

The email template that gets 40 to 60% deletion rate:

Subject: Goodwill Adjustment Request, Account ending [last 4 digits]

"I have been a [bank name] customer for [X years]. My account has been in good standing for the entirety of our relationship with one exception: a late payment reported in [month/year]

This occurred due to [brief honest reason: job transition, medical situation, payment processing error, travel, oversight]. It was not a reflection of my creditworthiness or my commitment to [bank name]

Since that date I have maintained perfect payment history and continued using my account responsibly

I am requesting a goodwill adjustment to remove this late payment from my credit report with all three bureaus. This adjustment would reflect the overall strength of our banking relationship and my consistent payment history

I value my relationship with [bank name] and hope to continue it for many years

Sincerely, [name, account number, phone number]"

Where to send it (not the general customer service address):

Chase: executive office at [email protected] (gets routed to executive response team)
Bank of America: [email protected]
Amex: customer advocacy at americanexpress .com/us/customer-service
Capital One: executive office at richard.fairbank@capitalone .com
Discover: executive office through their CFPB response portal
Wells Fargo: CEO office at wellsfargo .com/help/contact-us (select executive complaints)
Citi: executive response at citi .com/executive-office

The email gets routed to a team of 5 to 20 people whose job is resolving complaints that reach the C-suite. These teams have system access that regular phone reps don't. They can modify tradeline reporting directly

Success rates by bank:

Amex: 50 to 65% (most generous, especially for long-term members)
Chase: 40 to 55% (higher success for checking + credit customers)
Discover: 45 to 60% (known for customer-friendly policies)
Capital One: 35 to 50%
Bank of America: 35 to 45%
Wells Fargo: 30 to 40% (tightest, try twice)
Citi: 35 to 50%

If the first email gets denied, wait 60 days and send a second one. Different person reviews it. Different day, different mood, different approval odds. Third attempt at 120 days catches another batch. Across 3 attempts the cumulative success rate hits 70 to 80%

The score impact of removing one 30-day late:

If the late payment is your only negative: +60 to +100 points
If you have other negatives but this is the most recent: +30 to +50 points
If it's old (2+ years) and you have other negatives: +15 to +25 points

A client had an 11-year Chase relationship with perfect payment history except one 32-day late in March 2023 (autopay failed when he switched bank accounts). Score dropped from 762 to 698 overnight. That single late payment cost him 64 points

He sent the goodwill email to Chase's executive office. Response in 8 days: "We have submitted a request to update this account with the credit reporting agencies." Late payment removed from all 3 bureaus within 2 weeks. Score back to 754

The bank reported it accurately. He paid late. It happened. The bank also has the authority to un-report it as a courtesy. Both things are true. The question is whether you ask

One email. One late payment deleted. 64 points recovered. The bank had a delete button the entire time. They just don't press it unless you write them a letter lmfaooo

(i fix credit in 30-90 days. link in bio)

[Mila Joy @Milajoy]

That time that Obama pissed off Trump so bad that Trump decided to run for president.

[Dangerous Thoughts @DangerousThinkg]

Pay attention to the gas you put into your gas tank

Your engine life depends upon it

[Woodz 🇺🇸 @Nibiru1000]

Karmelo Anthony has a new high-powered legal team for his appeal, and most of his lawyers are Black ✊🏾

[Raphousetv (RHTV) @raphousetv2]

SALUTE!🫡 Two Young Mechanics Replace Radiator, Water Pump & Hose On Freightliner Truck In JUST Under 2 Hours OF WORK🔥🛠️

[MUrai @clapyogal]

These white boys from Troy Athen High school in Athens,Michigan have been bullied this black boy for months calling him a Koolaid Monkey & the N word,but nothing is ever done to them so on this day they showed up to bully & attack him & he had enough & knocked one out finally! 🙈

[ɠɧıʂɧ @rirokpik]

That's why they kiss their pets in the mouth.💀

[WE HAVE NO FRIENDS/BY ANY MEME NECESSARY @CLG98264897]

Karma is a mofo.

[Barack Obama @BarackObama]

I had one rule this week: no one plays on Home Court until some old friends and I get some shots up.

Who’s got next? 🏀