Most banks offer "goodwill credit adjustments," but PNC refuses.

We missed one payment in decades after we got hit with identity theft and had to get a new account number and ONE autopay fell in the gap and did not get paid.

PNC caused a huge hit to FICO. We sent PNC the law enforcement letter confirming that the bank account change was essential, but they refused. So we stopped new income to the PNC account, and they called us to get our business back, and escalated the case. But even at the highest level, PNC claimed the law requires them to damage our credit rating, even if the missed payment was the result of recovering from identity theft.

However, that is not true. After a quick check online, and lots of banks that allow "goodwill" credit adjustments as policy. Credit companies like Experian will even tell you how to write a letter asking for one. PNC refused, even after their excuse that the law requires them to not not make exceptions to was debunked.

It is not the law, it is PNC's choice.…