Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
0 Kudos

Another GW critique....

[ Edited ]

To whom it may concern,


I’m writing in regards to a collection by your company that I had incurred by my own doings.  The collection has been paid as you are aware of.


I paid the collection over the phone with ‘Frank’, ext 3262.  And I must add that Frank was as friendly as one could only hope for when dealing with what is sometimes a not so pleasant situation.

It’s refreshing to know that when normal people make mistakes, that there are people who really are just doing their job and trying to make the situation as painless and comfortable as possible.


This misstep in my life happened during a residence move.   Moving from one place to another, the change of address to all those that I have a responsibility and obligation to….. the utility bill was mishandled and lost in the process.

I take full responsibility for this, and blame no one.


I have been in the process of rebuilding my credit for the past 5 yrs.  And it is progressing but at a slow rate.  According to potential lenders, this collection is really hindering my credit growth and worthiness.

I have a new family now and very much have aspirations to buy my first house in the not so distant future.

This collection is a major stumbling block for me, more than I obviously could have imagined.


I would sincerely ask that this negative collection be removed from my credit records.

I don’t know how I could ever return the courtesy or thank you and your company enough, other than to say THANK YOU.

Perhaps knowing that because of a positive decision on your behalf, you’ve helped a total stranger and his family move forward in life in a very positive way.



Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: Another GW critique....

I'd shorten it just a bit, maybe cut it down a paragraph.  Overall, not bad.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

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 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.