Credit Card Center Advertiser Disclosure

Valued Member
Posts: 34
Registered: ‎10-19-2012
0 Kudos

what do you think of this GW to Credit Agency

Not sure if this is the right forum, but see proposed GW.


Paid this medical collections several years ago, but would like to get this off of my credit report.  Any thoughts?  Based on another letter I saw.

One note – I have tried several times over the years to get this removed, always through the phone.  Well before I learned of this site.  AND, while I am generally reasonably levelheaded, I once yelled at someone there over the phone.  Regret it, but she was snotty.  Given this one last try and then just letting this time out.


To Whom It May Concern:


I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit reporting agencies. The above referenced account was placed with you for collections by [] in 2006. I paid the account in full on [], 2007.


Because I have paid the account in full, I would like you to consider deleting the account from your records and stop reporting to the three credit reporting agencies. There are a couple of extenuating circumstances.


First, the insurance company delayed payment to [] University because the claim was miscoded – under the name of the optometrist instead of the University.  It was an entirely covered claim, but because of the miscoding, they initially refused coverage (despite the fact that I had been going to the University for years and eye exams such as this had always been covered).  Initially I though delays in payment would work itself out; but after several months and further investigation I was able to determine with the insurance company that this was a miscoding.  I paid your office the amount of the claim, while I resolved the matter. 


Second, in 2006 my twins were born premature and my wife suffered some post-partum complications, resulting in substantial number of medical bills.  Your claim is the only one to go to collections: ironic considering it was one of the smallest ones and was denied by insurance only because of the miscoding.  While it was responsibility to handle bills, I was simply overwhelmed by medical bills that year, which led to some of the delay in resolving the matter.


Third, apparently your company called my home phone before you reporting it to the bureaus.  Unfortunately, my mother-in-law answered the call, for which English is a second language.  She never informed me of the call and did not understand it to be a serious call.


Fourth, this is the ONLY derogatory item on my credit report, but is causing me significant problems.  I recently started my own business and was denied a working capital line of credit.  The bank officer could only find this old collection as an explanation for my credit score not being above their minimum for this type of loan.  The bank has offered an alternative line of credit, but at a rate of nearly 20%!  Again, this is the ONLY derogatory matter on my credit report and since this matter I have maintained an excellent payment records with all of my creditors; I have never had a single late payment on any of my other accounts. 


I understand that this is an unusual request.  Since this collection account is not a reflection of my current creditworthiness, I am requesting that you give me a second chance by deleting this account.  Please let me know if you require any further information from me that would help in reaching a positive outcome. Thank you very much for the time you have taken to read my letter.



Starting Score: Equifax FICO 694
Current Score: June 15, 2014: Equifax FICO 825; June 2013 TransUnion 872, Experian 768
Goal Score: Equifax FICO 750

Take the FICO Fitness Challenge
Community Leader
Epic Contributor
Posts: 29,726
Registered: ‎03-19-2007
0 Kudos

Re: what do you think of this GW to Credit Agency

A bit long, but puts some compassion into the request.

Well done, and good luck!

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: what do you think of this GW to Credit Agency

+1 shorten it down just a bit.  But overall, not bad.  Good Luck

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.