I have been meticulously reading this forum for a few months and think that the advice is awesome! However, my efforts to try to clear up my tainted past have thus far not been sucessful. I worked hard on modifying the sample letters posted here so that they didnt sound so canned and repetitive. I sent out a couple PFD letters and a several GW letters.
My first response to one of my GW letters to my state credit union was as follows:
"Your personal credit history is a reflection of the way in which you manage your credt. Earned ratings cannot be changed. To do so would mean compromising the integrity of the credit reporting system. We regret that your past history may have caused you some credit problems but as you continue to improve your credit quality, your ratings will also improve."
And the response to my first PFD to a CA was as follows:
"We routinely forward our experience regarding collection of debts to several national credit reporting agencies. They are TU, EQ, EX and IN. To maintain the integrity of those files, we do not instruct those agencies to delete account information once an account is paid. We notify them when and if you have paid your account and the date payment was received. Your recourse is to write a statement explaining why you paid your account late, and to have that statement inserted into your credit file. You have the right then, as you do now, to inpect your credit file in accordance with Federal Law. We are a debt collector attempting to collect a debt and any information obtained will be used for that purpose."
This was certainly not the scope of responses that I was expecting! What now??
Message Edited by johndoe on 08-21-2007 06:42 PM
Message Edited by johndoe on 08-22-2007 07:14 AM
Message Edited by johndoe on 08-22-2007 07:15 AM
