I think it's a GREAT letter!! I'd go for it, for sure!!
The ONLY thing I would change is to list, down to the account numbers, is each account and the account holders' names. I just think that saying "accounts held by XXX" is far, far, too broad.
While spelling out the actual accounts will not protect you from their reporting NEW accounts (which, I don't think you can do, anyway ... no CA's going to bargain away payment -- or blackmail material -- for future debts), I think listing them will help you if in some freak of circumstance where the debts are accidentally passed on to another CA.
Just MHO!!
And FTR, it's VERY well known that Wahmom FRICKIN' ROCKS!!!
W00t!! W00t!! Wahmom!!
The ONLY thing I would change is to list, down to the account numbers, is each account and the account holders' names. I just think that saying "accounts held by XXX" is far, far, too broad.
While spelling out the actual accounts will not protect you from their reporting NEW accounts (which, I don't think you can do, anyway ... no CA's going to bargain away payment -- or blackmail material -- for future debts), I think listing them will help you if in some freak of circumstance where the debts are accidentally passed on to another CA.
Just MHO!!
And FTR, it's VERY well known that Wahmom FRICKIN' ROCKS!!!
W00t!! W00t!! Wahmom!!
Wonderin wrote:
I think it's a GREAT letter!! I'd go for it, for sure!!
The ONLY thing I would change is to list, down to the account numbers, is each account and the account holders' names. I just think that saying "accounts held by XXX" is far, far, too broad.
While spelling out the actual accounts will not protect you from their reporting NEW accounts (which, I don't think you can do, anyway ... no CA's going to bargain away payment -- or blackmail material -- for future debts), I think listing them will help you if in some freak of circumstance where the debts are accidentally passed on to another CA.
Just MHO!!
And FTR, it's VERY well known that Wahmom FRICKIN' ROCKS!!!
Thank you! I know that no more accounts will be added to it, but as always, needed to be SURE I "CYA"!
I did list each account individually and the amounts, just changed it a little for posting on here.
Another of the very wise fico vets suggested I make some changes to it and I had planned to ~ until I realized I had already sent it off before the suggestions were made! (This is what happens when you pull myFICO all-nighters with the credit report, MS Word and a printer!) So I figure if they flat out tell me where to go with my offer ~ it's back to the negotiation table. 
If I have to go back to the table, then I'll switch gears to the other, very viable, offer.
Yep, no doubt, she's a rock star!!
And FTR, it's VERY well known that Wahmom FRICKIN' ROCKS!!!
You guys need to stop! You're going to make me blush!
Just trying to return some of the goodwill everyone has shown me. Especially Wonderin & WhatzUrPlan!!!!
Just trying to return some of the goodwill everyone has shown me. Especially Wonderin & WhatzUrPlan!!!!
@wahmom wrote:
You guys need to stop! You're going to make me blush!
Just trying to return some of the goodwill everyone has shown me. Especially Wonderin & WhatzUrPlan!!!!
Pfft. No blushing needed -- modesty is NOT called for, here!! You da woman ... now stand up and take your applause!!
Whatz, I figured you DID slip those numbers in ... I'm just paranoid ('specially after that outta-the-blue call from the CA the other day *sigh*). I've gotten to the point where if I even THINK there's a loophole that a CA could exploit, I'll have cold-sweats and nightmares!! o_O
I think your letter's fine, really. I think the leverage you gain in giving them several accounts to write off their books makes it perfect. Cash is king, you know. And you're giving them a helluva lot of it. They'd be idiots not to take it!!
I think you can scratch them off, Darlin'!! Congrats!!
I think your letter's fine, really. I think the leverage you gain in giving them several accounts to write off their books makes it perfect. Cash is king, you know. And you're giving them a helluva lot of it. They'd be idiots not to take it!!
I think you can scratch them off, Darlin'!!
Congrats!!
@Anonymous wrote:Yep, no doubt, she's a rock star!!
And FTR, it's VERY well known that Wahmom FRICKIN' ROCKS!!!
Yep. But I don't think SHE realizes that!!
Thanks so much, I sure hope so! I didn't hear from them today, which kind of surprised me, but hopefully I'll hear from her in writing soon, accepting the offer.
Wonderin wrote:
Whatz, I figured you DID slip those numbers in ... I'm just paranoid ('specially after that outta-the-blue call from the CA the other day *sigh*). I've gotten to the point where if I even THINK there's a loophole that a CA could exploit, I'll have cold-sweats and nightmares!! o_O
I think your letter's fine, really. I think the leverage you gain in giving them several accounts to write off their books makes it perfect. Cash is king, you know. And you're giving them a helluva lot of it. They'd be idiots not to take it!!
I think you can scratch them off, Darlin'!!
Maybe not, but we'll make her blush enough times & have her convinced before all is said & doneYep. But I don't think SHE realizes that!!Yep, no doubt, she's a rock star!!