I posted this under the General Credit forum but think it may be better here:
I've looked through the GW example letters forum post and can't seem to find a GW example letter requesting that CA delete accounts that have been PIF. I am just missing them? Does anyone have a direct link and/or an example letter?
Also, does anyone have any suggestions and/or experience with getting CA deleted after you've already PIF? I just learned yesterday that I could have requested that prior to PIF (a day late and a dollar short, of course)
TIA!
Starting Score: EQ=567, TU=564 4/17/12 
YOUR NAME
YOUR ADDRESS 1
YOUR ADDRESS 2
Month Day , 20XX
COMPANY NAME
DEPARTMENT NAME
ADDRESS
CITY, STATE ZIP
Dear Ms. NAME:
I had an (type of debt) that was referred to your Collection Agency on (date). 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 paid the amount in full on the above referenced account on (date). Since that time I have been an exceptional customer paying every bill on time.
Because this referral to your company is not a true indicator of my responsible use of credit, and does not reflect my current situation, I would like you to consider removing the account from my credit report. At the time of the collection, I was in the process of (reason this was referred). I say that not to justify why the bill wasn't paid with the original creditor, but rather to show that the collection is not a good indicator of my actual credit worthiness. I hope that company name is willing to work with me on erasing this mark from my credit reports.
Sincerely,
your name
YOUR ADDRESS 1
YOUR ADDRESS 2
Month Day , 20XX
COMPANY NAME
DEPARTMENT NAME
ADDRESS
CITY, STATE ZIP
Dear Ms. NAME:
I had an (type of debt) that was referred to your Collection Agency on (date). 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 paid the amount in full on the above referenced account on (date). Since that time I have been an exceptional customer paying every bill on time.
Because this referral to your company is not a true indicator of my responsible use of credit, and does not reflect my current situation, I would like you to consider removing the account from my credit report. At the time of the collection, I was in the process of (reason this was referred). I say that not to justify why the bill wasn't paid with the original creditor, but rather to show that the collection is not a good indicator of my actual credit worthiness. I hope that company name is willing to work with me on erasing this mark from my credit reports.
Sincerely,
your name
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
firsttimemama wrote:Oh, wow!!! Thank you so much! You just made my weekend!
I really hope this works for you!!
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
