If I were him, I'd call each one before they get sent to collections. Can he pay anything right now? Maybe he can just call & let them know he wants to pay. Set up some kind of minimum (& then maybe send even more now & then?) The original creditor will be happy HE called them. During this process, he can lightly suggest that baddies get removed maybe after he hits the 50% pif point? This will be his "extending the olive branch" in payment, but also grabbing those fico points with the other hand!!
If they agree to & remove baddies...no letter needed. But certainly don't ask for bads to be removed before he begins to pay, as it sounds like he wants something for nothing. I doubt they'd agree to it anyway.
Message Edited by BungalowMo on
05-06-2008 02:14 PM
BK 7 discharge 06.24.2020 No Fico score at all.