I read these boards about good will letters and gave it a shot! I have a perfect history (4 years old) except for 1 medical collection that was paid for $85. It was 16 months old and I sent the collection agency a goodwill letter and 3 weeks later, boom, it was gone! My equifax FICO went from 656 to 729 overnight! I couldn't believe it! 1 little collection was hurting my score by 73 points!! Seems a little excessive, but hey, it's gone now! Thanks everybody!! Here's a shot of my scorewatch!
i dont get it everybody is gettin there medical collection deleted but i been sending nco gwletters to delete off my credit and they wont do it i'm so discourrage
bsal, if the collection was not legit, then the path to take is not a GW letter. You should file a formal DISPUTE, in writing, with the CRA, which requires them to either substantiate llegitimacy, or delete it.
That is great new and makes me feel that there is hope. It would be a great help if you could help me to wirte a letter like the one you sent. If that is possible, I can give you my email if I cannot post it here. I await your reply.
Thank you,
Luke
"It only takes a second to do something that you may regret for the rest of your life"