PFD Example Letter

[Anonymous]

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@Anonymous wrote:

Hi all. In the continuing process of building my credit score to the '700 club', I have decided to settle my remaining balances from 2006. In actuality it is one balance, from CVF Consumer Acquisitions. I disputed the account with both Experian and Equifax, both of which returned the accounts as verified. Seeing as how I do owe these people (actually a BoA account from 2006) money, I am more than happy to pay them. The question I had, although belated, was sending a PFD to CVF the right way to go? I am hoping they will work with me as I really did not know I owed the money because since joining the Corps in '06, I had not contact from BoA and CVF.

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Well, I went ahead and sent one anyways (registered mail). Hopefully we can get this taken care of. I'll keep everyone posted (PUN definitely intended )

[Anonymous]

I was denied a loan because of some late payments reported on my credit report. What kind of letter can I send to have those negative reports removed? 

[llecs]

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@Anonymous wrote:

I was denied a loan because of some late payments reported on my credit report. What kind of letter can I send to have those negative reports removed? 

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Send a GW letter

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

[Lasardo]

My hand is so tired form copying, but thank you, thank you, thank you!!! Perfect letter!

[Anonymous]

Nice thread

[Anonymous]

Regarding this letter, do you need to include:

my social security number

my signature

my phone number

In other words, what should you NOT include in a PFD letter.

?

Thanks

[Tuscani]

I would include the account# and last four of your SS# for sure.. DO NOT incude a signature.

[Anonymous]

"...DO NOT include a signature."

Why not?

[Lasardo]

I would assume becaus it has so much personnal information on that 1 letter.