July XX, XXXX
Account number: XXXXX
I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit reporting agencies. The above reference account was placed with you for collections by "OC Name" in Jan 2008. I paid the account in full on XXXX XX, XXXX.
Because I have paid the account in full, I would like you to consider deleting the account from you records and stop reporting to the three credit reporting agencies. I had no idea about this collection company because I have received no letter from you regarding this. As soon and I found about out about this collection from pulling my 3 in 1 credit report. I contacted you and paid as soon as I could.
I am in the process of purchasing a home and currently my scores are too low to do so. I have a 30-60 day time frame to get my scores up. I have been paying all items on my credit report and because this one is already paid all I can do it hope you will delete which will increase my score a lot. Your customer service representative suggested that I write you for a “goodwill adjustment.”
I sent this to a CA...after I paid them...and it worked...of course...for the last paragraph...you would put your personal experience in there...unless you are planning on purchasing a home...GOOD LUCK!!!