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SEARS
P.O. Box 6189
Sioux Falls, SD57117
June 5, 2008
Regarding: Account # XXXXXXXX
To Whom It May Concern:
I am writing a letter regarding my experience with Sears that is a mixture of an appreciative “thank-you” and an urgent request concerning a Sears Credit Card tradeline in my credit files that I would like to have reworked. Currently I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit reporting agencies.
According to my credit report, I have 2 30 day lates from May 2003 and March 2006. These late payments were due to my financial hardships and I do apologize. I don’t say this to justify why the payments were late, but rather to show that this is not a good indicator of my credit worthiness.
I received the Sears Card in 2002 and during that time I enjoyed the experience; this was one of the first credit cards I have ever had. It is my sincere hope that Sears is willing to work with me on erasing both of these marks off my credit reports. All I can do is hope you will adjust the late payments which will help my credit score. Your customer service representative suggested that I write you for a “goodwill adjustment.”
Although I no longer maintain a Sears Card, I sincerely hope that there is redemption at Sears, and I beg for such consideration. Please let me know if you need any addition paperwork that will help in you decision of this matter. I thank you for your time and look forward to hearing from you on this matter.
Very Sincerely,
HEY EVERYBODY!! I've been reading fico forums for years, but this my 1st time actually posting anything. I've been handling mine and my husband's credit as best as I could, and now that we have most of his debts paid off (except for one), I need help trying to fix it!!! I will of course be typing up plenty GW's, but here's what my husband's report looks like, the key derogatory's at least, this doesnt include the 30-150 day late marks on other accts!!!:
Account Name: APPLIED BANK Account Number: XXXXXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 8/1/2000 Balance: $576.00 Terms: Revolving High Balance: Limit: $800.00 Past Due: $576.00 Payment Status: Charge-off
Account Name: ARROW FINANCIAL SERVIC Account Number: XXXXXXX Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 9/1/2007 Balance: $2,534.00 Terms: 1 Month High Balance: Limit: Past Due: $2,534.00 Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Comments:Account Name: ASSET ACCEPTANCE LLC Account Number: 3392XXXX Acct Type: Unknown - Credit Extension, Review, Or Collection Acct Status: Closed Monthly Payment: Date Open: 8/1/2007 Balance: Terms: 1 Month High Balance: Limit: Past Due: Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default Comments: Account Name: CAP ONE Account Number: 52911517XXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 8/1/2000 Balance: Terms: Revolving High Balance: Limit: $700.00 Past Due: Payment Status: Legally paid in full for less than the full balance Comments: Election of remedy - reported by subscriberHAS ANYONE DEALT WITH ANY OF THESE CA'S BEFORE? I KNOW TARGET, SEARS, AND DILLARDS WERE BOUGHT BY CA'S ALSO.....ALL HELP WOULD BE GREATLY APPRECIATED!!!!
mx6bfast wrote:
I have been turned down twice from BOA for GW letters. Both stating there wasn't a bank error and they can't remove the baddies.
When I write back to them, should I refer to a previous response I've received from them? Maybe something along the lines of I know there wasn't a bank error but could you please consider....? I'm thinking about adding in a blurb about how I am committed to paying off all debts in the next 2 years.
mx6bfast wrote:
I have been turned down twice from BOA for GW letters. Both stating there wasn't a bank error and they can't remove the baddies.
When I write back to them, should I refer to a previous response I've received from them? Maybe something along the lines of I know there wasn't a bank error but could you please consider....? I'm thinking about adding in a blurb about how I am committed to paying off all debts in the next 2 years.