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
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