Good evening everyone! I am new to this forum, and trying to rebuild my credit. Signed up for a credit card as a teen in high school, and then well, as you all may have figured I became very irresponsible and spent a lot of money. Now after serving in the Army for 4 years I have matured, and have been trying to fix my past mistakes. I have been browsing this site for about a week now, and I love reading everyone's success stories. I have been working on my GW letters. Here's what I have so far:
Bank of America account: C/O but still OPEN
UNIQUE NTL Collection: PIF
CACH LLC: PIF but still OPEN
Military Star Card: current on payments, but have late payments on CR
So I had written to MSC:
Dear Sir or Madam,
I have been a customer of the Military Star Card for my entire 4 years in the military service and during that time, I have enjoyed my experience with the company and the many great employees that help it function properly. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have experienced multiple late payments with my usage of the Military Star Card that date back to when I first initially received the card. I have been an exceptional customer paying every week on time.
Because of my recent turn around of my payment history, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was still young, immature, and irresponsible. I say that not to justify my actions of being late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. Over the years I have been trying to fix my mistakes from my past, and recover from that period of time. I hope that you are willing to work with me on erasing this mark from my credit reports.
I have been a very pleased customer in the past and hope to continue a long relationship with the Military Star Card. With today's credit industry being so competitive I know how important it is to maintain good relationships with customers. The Military Star Card has been more than exceptional in my book so far, and I highly recommend it to all my friends and family in service. I hope that you will deeply consider my request and prove once again, why the Military Star Card is heads above the rest. I look forward to your reply.
Sincerely,
Corporal F*********, E*******
Then I wrote this to BoA:
Dear Sir or Madam,
When I was a teenager I thought I would try to become responsible and build my credit with a Bank of America credit card, but as it shows in my reports during my youth I was very irresponsible with my financials. After high school I left for my enlistment into the Army, and was given a new perspective on life, and given a second chance at a discipline that was very much needed. I am now 24 years old, and trying to repair what I had done in my youth and I have found that it is very hard to bounce back. It is possible to come back, but like everything else in life it takes time.
I am aware that my account had gone into collections, and I have paid everything off; but I am still showing that my account with you is still being reported as an "open" account. I am simply requesting that my account be deleted from being reported as "open" so I can start over on a new leaf. If the account cannot be deleted, I wish that it be reinstated because I was once a loyal Bank of America customer, and I wish to return as a more responsible patron. I have paperwork stating that my collection had been paid in full, I am just awaiting results from the credit bureaus to report it as closed, unless I can be reissued a new credit card.
I was more than pleased with the services I was provided as a Bank of America customer, and I wish to keep my relationship in good standings. These days the credit industry becomes more and more competitive, and I understand that keeping good relationships with customers is very important. Bank of America has done more than exceptional helping out this veteran, and I highly recommend their services to all my friends, family, and fellow service members. I hope that you can fulfill my request, and prove once again how Bank of America salutes its troops.
With honor and valor,
I am still in the process of writing the rest of my letters.
