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 Posted: Mon Aug 25, 2008 8:26 am Subject: Need help with a letter |
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What I'm looking for (a long shot, I know) is a request to delete a negative mark that was already paid through collections. Can anyone point me in the right direction?
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Breakthecycle2
Joined: 22 Oct 2007
Posts: 192
Debtcc Points: 3225
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| Posted: Mon Aug 25, 2008 8:40 am Subject: A start |
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Date
Company name
Address
Dear,
I am writing to you today regarding my ----------- account ------------------------------------. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.
I hope that ---------------- is willing to work with me on erasing this mark from my credit reports.
I would like to STRESS that the information currently being reported IS accurate, (I am not disputing anything with ---------------). I am simply asking -------------for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be ------------- normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that ------------- will do that in my case for this account.
Your kind consideration in this matter is greatly appreciated.
Best Regards
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billyg35
Joined: 06 Mar 2008
Posts: 30
Debtcc Points: 329
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| Posted: Mon Aug 25, 2008 9:11 am Subject: |
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that same letter worked for me in combination with disputes to the credit reporting agencies 3 weeks after sending the letter.
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smo65d11
Joined: 21 Mar 2008
Posts: 758
Debtcc Points: 4760
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| Posted: Mon Aug 25, 2008 10:28 am Subject: |
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Thank you!!
So are you recommending that I send the exact same letter to the BIg 3 as well?
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Guest
Debtcc Points: 100
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| Posted: Mon Aug 25, 2008 10:29 am Subject: |
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Sorry that last response was me, I must have gotten logged out.
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Breakthecycle2
Joined: 22 Oct 2007
Posts: 192
Debtcc Points: 3225
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| Posted: Mon Aug 25, 2008 10:40 am Subject: |
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Whether it worked by convincing them, or if they wouldn't have responded to my dispute in the first place, I don't know.
All I can say is that it worked for me to remove several paid-in-full collections from my credit reports.
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smo65d11
Joined: 21 Mar 2008
Posts: 758
Debtcc Points: 4760
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