Little Advice Needed, OC and CA removal

[guiness56]

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@Anonymous wrote:

From their standpoint, I completely agree.  If I could have made my payments, I would have but honestly could not, I had absolutely no income and had to take care of mortgage and car payment first from savings.

Would you suggest an alternative then to try and remove the lates/and or the whole account? 

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It does'nt hurt to ask.  All they can say is no.  When you write the good will letter say what you said above.  Be honest.  And do not be discouraged by what some think  Everyone has opinions. 

[RobertEG]

No, I did not mean to demean your hardship period.  I have had many, many of my own.

GW is your only option now.  I just threw out some thoughts.

I wish you success.  I have just seen many GW requests that consumers view only through the eyes of sympathy for their current hardship, which, IMHO, can hurt them more than help. 

[Anonymous]

No I know what you were saying.

I will attempt to GW them a few times.