This is the letter that I sent to TransUnion because the judgement was deleted from the other two. I did fax them copies of my bk paperwork which shows American General Finance as one of the creditors included in the BK. It was a goodwill letter that I sent. Even if you don't have a bk I would say just send the gw letter anyway and see what happens. They can delete or they can say no. Just try. Here's the letter.
July 31, 2007
TransUnion Customer Relations
P.O. Box 1000
Chester, PA19022
SSN#:
Civil Judgment Account #
Company’s Name: American General Finance Co.
Amount: $
To Whom It May Concern:
I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to my Trans Union credit report. I have a civil judgment on the above referenced account. Since that time I have been working very hard to clear up inconsistencies on my credit report as well as dispute errors. I am enclosing for your review the discharge papers as well as a copy of the creditors who were included in that discharged BK7 and this creditor is one of them.
My dispute all along has been that this creditor put this judgment on my report after receiving electronic notice of our filing of the BK7. This judgment has been deleted from Equifax and Experian as well. I would appreciate the same from you. In your verification of this debt, please provide for me the name, address, and phone number of the individual(s) that you spoke with in doing so. I have tried contacting the Cook County 1st Municipal Court regarding this civil judgment and they can only verify that this is on my record but they don’t give me any further information as how to remove it. I was never served at home and I never received a phone call regarding the judgment or a court date. The first that I ever heard of this was when it appeared on my credit reports. It has been 5 years since this bankruptcy has been discharged and in that time I have tried to be as consistent with my payments and being responsible as I could have been due to circumstances (loss of employment two times) beyond my control.
I have been a very happy customer in the past with TransUnion and hope to continue a long relationship with you. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. TransUnion has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why TransUnion is heads above the rest. I look forward to your reply.
Sincerely
