Reply
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Feedback please - GW letter

Adapted from another one someone posted here (thanks!).  What do you guys think?

 

Dear Ms. XXX,

I am writing to ask you and the County of San Mateo for a good will deletion of your reporting of a collection to the Credit Reporting Agencies. A couple of years ago I was given a citation for expired registration and insurance in your county which I then failed to resolve and pay in a timely manner. Both the tickets and the delay in paying were my fault and the result of poor planning and organization during a very difficult time in my life when I was in the process of divorce, feeling overwhelmed and struggling financially.  My registration and insurance are current and the account has been paid in full at this time.

 I am humbly asking for your help. Would you be willing to look at my account and offer me the courtesy of removing this collection account from the Credit Reporting Agencies? I know it is a lot to ask and it probably falls outside your normal business practices.  Any accommodation or advice would be greatly appreciated.



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Moderator
Posts: 13,672
Registered: ‎04-15-2011
0

Re: Feedback please - GW letter

2 thumbs up!



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!
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Feedback please - GW letter

Sweet and to the point... I vote that its a GO!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: Feedback please - GW letter

Thanks guys!  Wish me luck!



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Moderator
Posts: 13,672
Registered: ‎04-15-2011
0

Re: Feedback please - GW letter

Good Luck!!!



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!
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.

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.