topic Re: Critique my GW/Request for deletion letter? in General Credit Topics

Critique my GW/Request for deletion letter?

Anonymous — Thu, 12 Jul 2007 01:50:00 GMT

Some spelling may be incorrect, MS Word is not working on my computer right now, and I don't want to put it off, so I had to compose this using notepad (no spellcheck )

To Whom It May Concern:

I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit reporting agencies. The above referenced account was placed with you for collections by Provida Life Sciences in 2004. I paid the account in full on February 21, 2006.

Because I have paid the account in full, I would like you to consider deleting the account from your records and stop reporting to the three credit reporting agencies. At the time that I ordered the products from Provida Life Sciences, I was not even 18 years old yet. I had a problem with my bank account and had to close it, which meant that Provida could not withdraw the monthly payments that I had agreed to when I ordered the products. Because I never recieved any subsequent billings from Provida, I naively thought that I did not have to pay for it. I mention this not to justify neglecting to make timely payments, but to show that my irresponsible behavior as a teen-aged child is not an good indication of my actual creditworthiness. I understand that this is an unusual request--particularly as the account was in collections for some time before I paid it.

The 1st Nationwide Collection Agency representatives that I have spoken with over this time period were always very cordial with me. I have heard horror stories about aggressive collections agencies who will stop at nothing to collect a debt. I am happy to say that I did not have an experience like that with 1st Nationwide. When the subject comes up, I often mention how impressed I am by how courteous and respectful your representatives have been to me. I appreciate your patience during this time of learning for me. As I have gotten older, I have become more and more aware of the need to honor my financial obligations, which is why I paid the account in full in February, 2006. I have also maintained excellent payment records with all of my creditors; I have never had a single late payment on any of my other accounts.

I have been married for a year now, and my husband and I are about to begin the process of buying our first home. This collection account on my credit report is having a negative impact on my FICO score. which may prevent me from being able to secure financing for a home purchase, or it may greatly increase the cost of doing so. Since this collection account is not a reflection of my current creditworthiness, I am requesting that you give me a second chance by deleting this account. Your customer service representative Eric (extension 1306) suggested that I submit this request in writing. I sincerely hope that there is redemption at 1st Nationwide Collection Agency, and I beg you for such consideration. Please let me know if you require any further information from me that would help in reaching a positive outcome. Thank you very much for the time you have taken to read my letter.

Sincerely,

Message Edited by annah618 on 07-11-2007 06:49 PM

Message Edited by annah618 on 07-11-2007 06:50 PM

Re: Critique my GW/Request for deletion letter?

Anonymous — Thu, 12 Jul 2007 02:04:49 GMT

It think it is a great letter. Love the "sweet talk", very effective.

There was a grammar thing in the last papragraph, I think you put a period and then continued the sentence, so I'm guessing it should have been a comma.

I wasn't really checking for grammar errors but that one caught my attention.

But I like it.

I'd delete

-trini

Re: Critique my GW/Request for deletion letter?

Anonymous — Thu, 12 Jul 2007 02:06:31 GMT

Thank you for catching that! I did mean to have a comma there.

Thanks for your feedback!

Re: Critique my GW/Request for deletion letter?

Anonymous — Thu, 12 Jul 2007 02:09:14 GMT

no worries!

Re: Critique my GW/Request for deletion letter?

Anonymous — Thu, 12 Jul 2007 03:27:00 GMT

Great letter! I think if you needed a part time career, you could do very well writing letters for the rest of us. Awesome! I vote DELETE!

Re: Critique my GW/Request for deletion letter?

Tuscani — Thu, 12 Jul 2007 14:27:05 GMT

nice work!

Re: Critique my GW/Request for deletion letter?

Anonymous — Mon, 24 Sep 2007 23:31:28 GMT

Very nice letter. I will be using it to try and get a $70 collection removed from my CRAs. Will let you know how it goes.

-d

Re: Critique my GW/Request for deletion letter?

Nectarine — Thu, 27 Mar 2008 08:00:12 GMT

Thread Bump.

This is an extremely good GW letter. I'm basing my Sallie Mae letter on this -- it's great!

Re: Critique my GW/Request for deletion letter?

Anonymous — Thu, 27 Mar 2008 15:11:24 GMT

Great letter but can some one help me with understanding something... Do you send these letters to the collections agency or do you send it directly to the company with whom you owe the debt to. It would be a problem if you send to the Collections agency and then the original company reported to credit b.?

Re: Critique my GW/Request for deletion letter?

Nectarine — Sat, 12 Apr 2008 18:17:20 GMT

GW letters are really only for debts that are paid. The ones listed on your credit report is who you send it to. So usually you're sending it to a CA.

Re: Critique my GW/Request for deletion letter?

sun_shine64 — Sun, 13 Apr 2008 16:34:37 GMT

Hi,

That is an awesome letter! I've never written one but I was contemplating sending one to the local utility company whose reporting I know is affecting my report/score.

Long story short, here in WI utilities can report lates. Severe financial difficulties left me no way to keep up with the expenses. I'm on my way back up but finding it difficult. These forums are helping greatly and I appreciate you all.

My question is that I would like to send a GW to this utility to ask them to remove all the negative reporting but I'm not sure who I should send this to. I have only dealt with them directly, no collections. They have reported directly to CRA's. I get a letter each month from the "collections dept" with someone's name signed at the bottom. Should I start there? Should I send the GW to the person listed at the bottom of the letter they sent me each month or someone else?

Thanks for any suggestions!

Re: Critique my GW/Request for deletion letter?

nyctomia — Tue, 24 May 2011 03:45:29 GMT

Very good!