How would you handle this?

[Anonymous]

Below is a copy of my mortgage info. What I would like to know. The last 15 months of payments have been on time-never late. Be fore that they were all late due to my ex wife. I would give her the money to pay and she wouldnt. I did not find out until they called me at work. What kind of letter would you wright to them to see about deleting the late payments, What would it look like-sound like. How would you find out who to send the letter to as well..  Any info that you can give me would be a HUGE help..  Thank you for your time.

OCWEN LOAN SVCG LLC

Balance:  $71,889   Date Updated:  05/2009   High Balance:  $69,647  Past Due:  $0 Terms:  $902 for 360 months  Pay Status:  Paid or Paying as Agreed   Account Type:  Mortgage Account   Responsibility:  Individual Account   Date Opened:  10/2002  Loan Type: Conventional Real Estate Mtg Remark: Reaffirmation of debt
>Maximum delinquency of 120+ days in 12/2006 for $3,653< 

[Anonymous]

Do a search here for sample GW letters then taylor them to fit your situation. Definitely try to sound humble as you're asking for a very big favor. Maybe try to explain to them how these old lates are affecting your life now. Be prepared to send several of these letters as a lot of people say they've had luck only after writing several times and getting the letter into the right hands.

Good luck.

[Anonymous]

How do you find out who to send the letter to?

Thanks for the replay.

[Anonymous]

I'd google the company name and see if I could find addresses or maybe e-mail addresses of officers in the company. Maybe CEO.

Check out the link below and read Noahs explanation of GW lettes and Tuscanis sample letter.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=5933&query.id=5454...