02-23-2008 10:59 PM
Dear sir or madam,
From the end of 2006 to present, I have been dealing with a bad case of depression. Unfortunately, because of this, I was unable to deal with or pay my financial obligations. After several medication changes in the last year, I am finally feeling better and ready to deal with my current financial situation.
I honestly regret having gotten so behind on my bills and have put your company in this situation.
What I am hoping to accomplish with this letter is to make payment arrangements with you and if possible, maybe you could waive some of the late fees. I completely understand if this is not possible.
Since I will be sending this letter to all my creditors, I would hope that you could accept a $25 a month payment.
I sincerely thank you for reading my letter and considering my request. I hope that at some point in the future, we will be able to do business again.
Now, I have a few questions.
Thank you in advance for reading my post and for helping me out. My Equifax FICO is 515. I am trying to get it up to 600 within the next 6 months or less so I can try and buy a condo. I am hoping the letters will help.
02-24-2008 06:34 AM
02-26-2008 04:07 AM
03-04-2008 06:06 PM - edited 03-04-2008 06:10 PM
03-04-2008 06:25 PM
03-15-2008 09:37 AM
03-19-2008 12:05 PM
03-30-2008 01:27 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.