Reply
Member
Posts: 11
Registered: ‎04-28-2007
0

Goodwill Letter - Original Creditor or Collection Agency?

If you were wanting to send a goodwill letter to try and have an old (5-6 year) collection removed, would it be best to send it to the original creditor or to the collection agency assigned to the account?
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

First things first. What's the DOFD? If it's too old to report, then dispute it with the CRAs. Should drop off on it's own.
Member
Posts: 11
Registered: ‎04-28-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

I have no idea what the DOFD is, the report you receive from MyFICO doesn't show that date and I haven't been able to find anyone who knows how to find it.  I can't find a number for Equifax or I'd call them directly and ask them.
 
 
It's an old medical bill for an insignificant amount, $11, that I'd like to get removed.
Member
Posts: 11
Registered: ‎04-28-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

Forgot to add...that this is a PAID collection.  It was paid shortly after we received the notice several years ago, just a small medical bill that slipped through the cracks.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

DOFD is Date Of First Delinquency. That's usually the date when the account when 120 days late. It probably won't be on your CR, but you can call the CRA and ask. They are supposed to tell you, even though they don't provide it on reports.
 
Look on the copy of your reports--whether paper, online, TC, MyFico SW, et al. Should be address and numbers for the Big Three.
 
If not, try here.
 
 
Member
Posts: 11
Registered: ‎04-28-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

OK, assuming I find out the DOFD...

Should I send the letter to the OC or the CA?
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

That depends. Adverse TLs can only be reported for 7.5 years from the DOFD. If the DOFD is 1998, then dispute with the CRAs as too old to report.
Valued Member
Posts: 43
Registered: ‎01-12-2010
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

Maybe I'm not understanding the answer. If you had a debt lets say 2 years old that you paid for should you write a letter to the original creditor or collection agency?
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Goodwill Letter - Original Creditor or Collection Agency?


f1maxis wrote:
If you were wanting to send a goodwill letter to try and have an old (5-6 year) collection removed, would it be best to send it to the original creditor or to the collection agency assigned to the account?

 

If this is PAID, then I would send to both.  Can't hurt and you might get lucky on one or both.  If at first you don't succeed, try again (every month).

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Epic Contributor
Posts: 20,297
Registered: ‎03-19-2007
0

Re: Goodwill Letter - Original Creditor or Collection Agency?

A lot of extraneous fluff being offered in response to this simple post.

The CA account  is paid, so no DOFD issues reside at all.  It is not a dispute of anything.

It appears to all be about ggetting the CA removed,.

You paid the CA, and to get the CA deleted, you must GW the CA,

 

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.