goodwill letter help

[Anonymous]

I am getting some goodwill letters together to try and take care of some negative marks on my credit report.  I have multiple accounts with the same creditor that i am hoping to improve.  My question is "Is it better to send an individual letter with each individual account, or put all the accounts on one goodwill letter since they are all going to same creditor.  Any help with this would be greatly appreciated.  Thanks

[pizzadude]

Can you add some addtional information ??   Who is the creditor, and how many accounts ?   Are all the negatives on these accounts equally bad, or is one or two of them worse than the other(s)  ( like charged~off ) ?

[Anonymous]

They are three accounts with ACS student loans.  I would say all three were pretty bad.  Two of the accounts have 7 marks of 90 or more days late and one of the accounts has 4 marks of 90 or more days late.  I have been current for a little over two years.  Thanks

[pizzadude]

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@Anonymous wrote:

They are three accounts with ACS student loans.  I would say all three were pretty bad.  Two of the accounts have 7 marks of 90 or more days late and one of the accounts has 4 marks of 90 or more days late.  I have been current for a little over two years.  Thanks

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If this is the case then I would just send a single letter asking them to GW all of your accounts.   Explain the situation, and emphasize that you haven't missed any payments in years.   Hopefully they'll help you....

[rredstick9]

I have the same stuation.  Can you send what you are writting to them so I have something to base mine off of?   Ihave never written a GW letter.

[pizzadude]

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@rredstick9 wrote:

I have the same stuation.  Can you send what you are writting to them so I have something to base mine off of?   Ihave never written a GW letter.

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Take a look at the goodwill primer in this list of threads from the sticikies....It has a link to sample goodwill letters.

http://ficoforums.myfico.com/t5/General-Credit-Topics/Frequently-Requested-Threads/m-p/10675