Some spelling may be incorrect, MS Word is not working on my computer right now, and I don't want to put it off, so I had to compose this using notepad (no spellcheck
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To Whom It May Concern:
I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit reporting agencies. The above referenced account was placed with you for collections by Provida Life Sciences in 2004. I paid the account in full on February 21, 2006.
Because I have paid the account in full, I would like you to consider deleting the account from your records and stop reporting to the three credit reporting agencies. At the time that I ordered the products from Provida Life Sciences, I was not even 18 years old yet. I had a problem with my bank account and had to close it, which meant that Provida could not withdraw the monthly payments that I had agreed to when I ordered the products. Because I never recieved any subsequent billings from Provida, I naively thought that I did not have to pay for it. I mention this not to justify neglecting to make timely payments, but to show that my irresponsible behavior as a teen-aged child is not an good indication of my actual creditworthiness. I understand that this is an unusual request--particularly as the account was in collections for some time before I paid it.
The 1st Nationwide Collection Agency representatives that I have spoken with over this time period were always very cordial with me. I have heard horror stories about aggressive collections agencies who will stop at nothing to collect a debt. I am happy to say that I did not have an experience like that with 1st Nationwide. When the subject comes up, I often mention how impressed I am by how courteous and respectful your representatives have been to me. I appreciate your patience during this time of learning for me. As I have gotten older, I have become more and more aware of the need to honor my financial obligations, which is why I paid the account in full in February, 2006. I have also maintained excellent payment records with all of my creditors; I have never had a single late payment on any of my other accounts.
I have been married for a year now, and my husband and I are about to begin the process of buying our first home. This collection account on my credit report is having a negative impact on my FICO score. which may prevent me from being able to secure financing for a home purchase, or it may greatly increase the cost of doing so. Since this collection account is not a reflection of my current creditworthiness, I am requesting that you give me a second chance by deleting this account. Your customer service representative Eric (extension 1306) suggested that I submit this request in writing. I sincerely hope that there is redemption at 1st Nationwide Collection Agency, and I beg you for such consideration. Please let me know if you require any further information from me that would help in reaching a positive outcome. Thank you very much for the time you have taken to read my letter.
Sincerely,
Message Edited by annah618 on
07-11-2007 06:49 PMMessage Edited by annah618 on
07-11-2007 06:50 PM