07-12-2007 09:38 AM
07-12-2007 11:00 AM - edited 07-12-2007 11:04 AM
07-12-2007 11:07 AM
Countrywide Home Loans
400 Countrywide Way
Simi Valley, CA93065
July 11, 2007
Re: Account #:
We have been customers with your company since 2006 and during that time, have enjoyed my experience with Countrywide Home Loans, greatly. We are writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. We have three late payments on the above referenced account that date back to 2006. Since that time we have been exceptional customers paying every month on time and never 30 days late.
Because of our exceptional payment history over the last year, we would like you to consider removing the negative payments from our credit reports. At the time of the late payments, we had just moved into our new home in January 2006 and with me being self-employed really affected our finances as with the move many of my clients decided to take their children to other facilities because we had moved. This caused an immediate hardship for us as I was trying to rebuild my daycare business and get new clients as well as find a job to help with costs, but it was a very slow process. We 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. We hope that Countrywide Home Loans is willing to work with us on erasing this mark from our credit reports.
We have been very happy customers in the past and hope to continue a long relationship with Countrywide Home Loans.. With today’s credit industry so competitive, we know how important it is to maintain good relationships with customers. Countrywide Home Loans has been exceptional in my book so far and we highly recommend it to all our friends and relatives. We hope that you will deeply consider our request and prove once again, why Countrywide Home Loans is heads above the rest. We look forward to your reply.