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Regular Contributor
Posts: 230
Registered: ‎04-17-2012
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Questions re: CA that were PIF

I posted this under the General Credit forum but think it may be better here:

 

I've looked through the GW example letters forum post and can't seem to find a GW example letter requesting that CA delete accounts that have been PIF. I am just missing them? Does anyone have a direct link and/or an example letter?

 

Also, does anyone have any suggestions and/or experience with getting CA deleted after you've already PIF? I just learned yesterday that I could have requested that prior to PIF (a day late and a dollar short, of course)

TIA!


Starting Score: EQ=567, TU=564 4/17/12
Current Score: 4/29/12 EQ 629 TU 618 (both FICO
Goal Score: 750

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Posts: 7,225
Registered: ‎09-16-2011
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Re: Questions re: CA that were PIF

YOUR NAME
YOUR ADDRESS 1
YOUR ADDRESS 2

Month Day , 20XX

COMPANY NAME
DEPARTMENT NAME
ADDRESS
CITY, STATE ZIP

Dear Ms. NAME:

I had an (type of debt) that was referred to your Collection Agency on (date). I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have paid the amount in full on the above referenced account on (date). Since that time I have been an exceptional customer paying every bill on time.

Because this referral to your company is not a true indicator of my responsible use of credit, and does not reflect my current situation, I would like you to consider removing the account from my credit report. At the time of the collection, I was in the process of (reason this was referred). I say that not to justify why the bill wasn't paid with the original creditor, but rather to show that the collection is not a good indicator of my actual credit worthiness. I hope that company name is willing to work with me on erasing this mark from my credit reports.


Sincerely,



your name

 


Starting Score: 08/29/2011 TU 671 EQ 674
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Regular Contributor
Posts: 230
Registered: ‎04-17-2012
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Re: Questions re: CA that were PIF

Oh, wow!!! Thank you so much! You just made my weekend!


Starting Score: EQ=567, TU=564 4/17/12
Current Score: 4/29/12 EQ 629 TU 618 (both FICO
Goal Score: 750

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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Questions re: CA that were PIF


firsttimemama wrote:

Oh, wow!!! Thank you so much! You just made my weekend!



I really hope this works for you!!


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!



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Regular Contributor
Posts: 230
Registered: ‎04-17-2012
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Re: Questions re: CA that were PIF

Me too! The letter is perfect! It's definitely worth a shot!


Starting Score: EQ=567, TU=564 4/17/12
Current Score: 4/29/12 EQ 629 TU 618 (both FICO
Goal Score: 750

Take the FICO Fitness Challenge
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