Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008
Re: ACS question - What should I do?
Is this going through the person I referred you to? If so, I'd tell her that you REALLY appreciate her doing that, but could she pretty, pretty, pretty please remove the lates up to Jan '08. That's only asking for about 3 more lates removed -- and not *too* much to ask, I think.

Make sure to re-emphasize *why* they should be so generous and apologize for any inconvenience your past history has caused them. And also make sure to let them know that you really do appreciate the response and professionalism of ACS, as well.

Worked for us. Turned a REALLY bad situation into one we were REALLY happy with. Now, sending in our payment doesn't hurt so much (emotionally or financially)!! Smiley Happy

Best of luck to you!! Yay!!! Smiley Happy


Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!