| Message |
Author |
 Posted: Mon May 05, 2008 10:56 am Subject: Student Loans |
|
|
Can I do anything about late payments? Like Student loans and car payments? It's made my credit score bad.
|
|
kloe_kloset
Joined: 05 May 2008
Posts: 2
Debtcc Points: 20
|
|
|
|
cajunbulldog
Moderator
Joined: 20 Dec 2006
Posts: 4875
Debtcc Points: 37803
|
|
|
| Posted: Mon May 05, 2008 11:08 am Subject: Student loans |
|
|
I attend on paying on time now but this past history is killing me. Thanks
|
|
kloe_kloset
Joined: 05 May 2008
Posts: 2
Debtcc Points: 20
|
|
|
| Posted: Wed May 07, 2008 9:13 am Subject: |
|
|
Does anyone have a form letter for this. I have paid off one of my student loans by tripling the payments but I would like to get off the late payments from last year.
Thanks
|
|
waterlu3
Joined: 02 Oct 2007
Posts: 24
Debtcc Points: 15
|
|
|
| Posted: Tue May 13, 2008 8:10 am Subject: |
|
|
Here is an example letter. You will, of course, have to adjust it to your own situation/creditor. This is a generic letter.
| Quote: |
YOUR NAME
YOUR ADDRESS 1
YOUR ADDRESS 2
Month Day , 20XX
COMPANY NAME
DEPARTMENT NAME
ADDRESS
CITY, STATE ZIP
Dear Ms. NAME:
I have been an (company name) customer since 19XX and during that time, I have enjoyed my experience with (company name) greatly. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have two a late payments on the above referenced account that date back to 19XX. Since that time I have been an exceptional customer paying every month on time.
Because of my exceptional payment history over the last X years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that (company name) is willing to work with me on erasing this mark from my credit reports.
I have been a very happy customer in the past and hope to continue a long relationship with (company name). With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. (Company name) has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why (company name) is heads above the rest. I look forward to your reply.
Sincerely,
YOUR NAME (do not sign) |
|
|
Seeing_the_Light
Joined: 28 Mar 2006
Posts: 536
Debtcc Points: 13881
|
|
|
| Posted: Tue May 13, 2008 8:24 am Subject: |
|
|
That is perfect thank you so much!!
|
|
waterlu3
Joined: 02 Oct 2007
Posts: 24
Debtcc Points: 15
|
|
|
