Credit Card Center Advertiser Disclosure

Reply
Highlighted
New Contributor
Posts: 65
Registered: ‎02-23-2008
0 Kudos

PA letter advise needed.....

Creditor
Address
City, State Zip

Re: Account #:

Amount: Owed

To whom it may concern,

From the end of 2006 to present, I have been dealing with a difficult medical condition. Unfortunately, because of this, I fell behind on my bills. I am now recovering and anxious to get back into good standing with my creditors.

I honestly regret having gotten so behind on my bills and putting your company in this situation. I do believe in paying my obligations and would like to start making amends with you, not a collection agency.

What I am hoping to accomplish with this letter is to make payment arrangements with you and if possible, maybe some of the late fees could be waived. I completely understand if this is not possible.

Since I am seeking payment arrangements with all of my creditors, I would hope that you could accept a $25 a month payment and I will send more when I can. If this is possible, please send me a letter back on company letterhead signed by a authorized represenative for my records. Once the letter is received, I will then begin making payments.

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.

Sherri
Scores as of 2/27/08: EQ: 515 EX: 489 TU: 482
Scores as of 4/02/08: EQ: 494 EX: 494 TU: 485

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.