@HouseHunter wrote:Yes and, besides that, I have read that creditors can spot form letters a mile away anyway. You should look at one to get a good idea of what to say but to use your own words and sincerely. I've read that your own personal letters will get you further than any form letter ever will. I can't remember which board I read that on because I've been reading so many lately but I know I read it.
With any so-called form letter, it's always best to take it and put it in your own words. I always tweak at least a word or two whenever I use the same letter again. Change the letter format as well. Return address at the top, bottom, centered, left justified. Tweak the fonts too.