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WOOHOO!! I am so excited!! This is the 1st good thing to me that has happened since I started rebuilding!!
I had a paid collection from Portfolio that wasn't set to be deleted until 07/2015.
I just got a letter saying that a representative has filed a Universal Data Form electronically for this account requesting that the 3 major CRA's DELETE PRA's trade line for this account. Please allow up to 60 days for each of the CRA's to update their records accordingly.
I was in the worst mood until I opened up this letter!
Thanks so much to all of you for your expertise!
WOW!!!!! Congrats!!! Very strange that they did that for you. You should see a nice bump when it gets deleted.
I know!! I have been reading the Portfolio horror stories so I was not at all thinking that they would do that!
This is what I wrote to them if anyone cares:
Hello,
Re: HSBC-XXXX
Acct: HSBC-XXXX Amount $367.00
Dear Sir or Madam,
I am writing this letter in order to request your help and understanding. The account was sold to your company. I pulled my credit and saw it on my reports. I paid this the account back in 2008. My family and I are currently trying to obtain a mortgage for a home. The account is showing “Paid” per your representative that I paid through over the phone but still are collection accounts and hurting my credit scores. I only need 50 more points to qualify for the loan. I would like to request that your company have some mercy on me and please make a “Goodwill Adjustment” and remove this account from the credit reporting agencies. Your kind gesture would be sincerely appreciated by my family and me. I would like to thank you in advance for any help you may provide. You may contact me through my address above or email at ****** (would prefer email). Thank you again!
nice congrats!
Good stuff! I also have these guys on my CR...the idea of GW letters has me excited for if nothing else...1 deletion maybe. I like the letter, if you dont mind I would like to copy it (minor changes).
Justin