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smlala wrote:Hmm. How does this play out? A phone conversation with them agreeing to a delete, followed by a letter confirming the verbal agreement (check enclosed)?
bizz0976 wrote:I am working on getting paid collections removed as well. When I call the CA to pay and ask for a PFD they always say they cannot do that. I had a hospital stay over a year ago that was never submitted to my insurance. After I saw my score was distroyed by all the collections I started submitting the bills myself. The insuance company paid but the CA's will not remove from report. I am not sure what to do now.
There's no way being 6 days late dropped your score. There's simply nowhere in the matrix for that - the first point a payment is "late" is at 30 days. Unless your creditor reported it as 30 days late when it was really 6, or you mean that it was 6 days past 30 days late.
Shadowcat wrote:I'm kinda jumping in late on this thread, but I'm a wreck, and so is my credit score. At least I did get on with Suze Ornman plan, it is working great!I seen Woo's response, and wanted to know what type of letter he wrote to get those collection accounts removed. I have several colllection accounts that were actually medical bill's paid off from a few years ago, and would like to write a GW letter or something like that to the Credit Reporting Agencies (CRA's) <-- at least that's what I think the acronym is suppose to be!Any examples, links, etc, would be most thankful!Was out of town and didn't know about a payment due on a bank account we had long since closed (it was a line of credit, still paying on it, but never get the notifications from them!), and being late 6 days cost me a drop of 35 points on my Score! HELP!!!! Can a GW letter to the bank get them to forgive this too so I can go back to good status with them as I pay it off?- TK
Shadowcat wrote:I'm kinda jumping in late on this thread, but I'm a wreck, and so is my credit score. At least I did get on with Suze Ornman plan, it is working great!I seen Woo's response, and wanted to know what type of letter he wrote to get those collection accounts removed. I have several colllection accounts that were actually medical bill's paid off from a few years ago, and would like to write a GW letter or something like that to the Credit Reporting Agencies (CRA's) <-- at least that's what I think the acronym is suppose to be!Any examples, links, etc, would be most thankful!------------------------------------------------YOUR NAME
YOUR ADDRESS
DATE
NAME OF CREDITORRE: Acct #
ADDRESS
Dear CREDITOR,
I have been an company name customer since 200X and during that time, I have enjoyed my experience with company name greatly. 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 two a late payments on the above referenced account that date back to 2003 and 2004. Since that time I have been an exceptional customer paying every month on time.
Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of moving. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Orchard Bank is willing to work with me on erasing this mark from my credit reports.
I have been a very happy customer in the past and hope to continue a long relationship with company name. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. COMPANY NAME has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.
Sincerely,
YOUR NAME