Working on GW letters..Should I put...

[Shellie]

I am using some of the samples from the site and was wondering if it would be so "pity-party" or just unnecessary to put tht I am a single mom trying to buy a house.

[Shellie]

This is kind of what I was thinking of sending via email...

I am writing this letter in order to request your help and
understanding. I currently have insurance through my employer. I had some
medical issues and needed care in 2011. I did not have insurance during that
time. I then did not have the funds to take care of the accounts. Your company
was hired by JCMH to collect on these accounts. I pulled my credit and saw them
on my reports. I paid all the accounts as soon as I could, which was 03/12/2013.
I am a single mother of two currently trying to buy our first.  The accounts are showed “Paid” but still are collection accounts and hurting my credit scores. I only need 20 more points to qualify for the loan. I would like to request that your company have some mercy on me and please make a “Goodwill Adjustment” and remove all three accounts from the credit reporting agencies. Your kind gesture would be sincerely appreciated by my family and myself. I would like to thank you in advance for any help you may provide. You may contact me through my address above or email at

[Anonymous]

I think the just of it sounds good, just do some proofing of it and you'll be ready to send off.

[Shellie]

Oh gosh!! Should have read that before posting! I have edited it

[txmomma26]

 

I am writing this letter in order to request your help and understanding. I currently have insurance through my employer. I had some medical issues and needed care in 2011. I did not have insurance during that time and did not have the funds to take care of the pay accounts the bills that resulted from my medical issues. Your company was hired by JCMH to collect on these accounts. I pulled my credit and saw them on my reports. I paid all the accounts as soon as I could, which was 03/12/2013.

I am a single mother of two currently trying to buy our first.  trying to get my finances together in order to buy a home. The accounts are showing “Paid” but still are collection accounts and hurting my credit scores. I only need 20 more points to qualify for the loan. I would like to request that your company have some mercy on me and please make a “Goodwill Adjustment” and remove all three accounts from the credit reporting agencies. Your kind gesture would be sincerely appreciated by my family and myself me. I would like to Thank you in advance for any help you may provide. You may contact me through my address above or email at

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Just a bit of proofreading above....I think it's fine to say you are a single mom trying to get your finances in order to provide a home for you and your kids.

[Shellie]

May be silly but what subject should I put?  I don't want to put "goodwill adjustment" and take a chance on it not even being opened!

[txmomma26]

I would just put the account numbers in the subject field

[Anonymous]

Are these paid collections?

[Shellie]

Thank you so much for the help!

[Shellie]

Yes these are paid collections.  I have already asked the OC to recall them but they wont so I am GW'ing the CA to see what I can get done.