Hey everyone! I've gone through some tough times with credit in the recent past and I'm now trying to bounce back. I've paid off all my delinquent accounts and was planning on rebuilding by just paying the open accounts I currently have on time, however it seems that this is going to take a long time to get my credit score back to the point where I can get a home loan (which is my ultimate goal).
While digging around for ways to speed up the recovery process, I discovered that you can send goodwill letters to former creditors and request late payments be removed. I realize that this is obviously no guarantee that they will do anything with my request, but I figured that it's worth a shot. My question to you is, in your experience what's the best way to send a goodwill letter to to a creditor? Should I E-Mail, Fax or just send the letter by regular mail?
Any advice is appreciated!
