April 23, 2008
8725 W Sahara Ave
The Lakes, NV-89163-0001
Account Number: XXXXXXXXXX
Initial Balance: $ 2340.00
Current Balance: Charge off $0.00
Name of Account Holder: XXXXXXXXXXXXXXXXX
Former Name: XXXXXXXXXXXXXXXX
To whom it may concern:
I am writing to your company to ask for a measure of Goodwill, Sears/Citi Cards has an excellent history of strong customer service. I have one paid Sear/Citi Cards account that was turned into a “charge off of bad debt”. I have made some very large mistakes regarding my financial credit history. In my 20’s I took credit for granted, I never realized that my serious misuse of credit would come back to haunt me and it has in a large way. I have had a strong credit history since 2005 that is over five years.
Since, than I have found God and grown-up; I got married in 2004, than I got pregnant with my first child. When my son was born April 22, 2006 five weeks early he was placed in the NICU for three weeks due to complications of my high blood pressure and elevated blood glucose levels, he weight only 4lbs 8oz. I have learned the true meaning of responsibility personally and financially; we managed to live on my husbands’ paycheck alone, we never missed a single payment on any bills. I graduated from Tacoma Community College with a degree in Respiratory Therapy, now I am working my full-time dream job for Providence St Peters Hospital in Olympia, Washington.
We have been paying all of our medical bills as well as other house hold bills on time. It is now time to buy a house and live the American Dream. When we were denied a house loan, I discovered that I have an old Charge Off account in the amount of $2340.00 with Sears/Citi Cards. I am asking and pleading for a measure of Goodwill to delete the “charge off of bad” account off of my credit report. This one trade line is holding my family back from our dream of home ownership. I understand that you are under no legal obligation to respond to my letter of Goodwill, but I pray that you will find it in your heart to grant my family the Goodwill of deleting the one trade line off my credit report.
Goodwill is alive and well in this day and age. I find that there are still good people in this world, sometimes we get into financial problems but through hard work my family has been able to overcome whatever God puts in our path. However, this time I am asking for your help in realizing my families’ dreams, with this jester of Goodwill and delete this account of my credit report; Sears/Citi Cards will forever have my gratitude.