Greetings, I am very new to myfico and its amazing how much I've learned 3 days in.
This is what I plan on using for may Gw letter can anyone critique me on if I'm headed
in the right direction meaning add something take something away or just start completely
over. Also on this letter do i put my name address email because I don't want to contradict myself.
Thanks in advance for your responses and help.
To Whom it May Concern
Thank you for taking the time out of your day to read this letter. I just pulled
my credit report and discovered that late payments were reported dating
back to 2012 for account #****.
During that time, my mother fell terminally ill, and I was the only one left to
care for her along with my five children. As such, payments weren’t able to
be paid and I was unable to keep my job. I didn’t have very much of a
savings in order to keep up, and fell on very rough times.
After realizing mistakes were made something had to be done. Fully taking
responsibility for my wrong doings and impacts of my relationship with you
payment arrangements were made to catch up and it’s been spotless
since. I understand that keeping up with a loan is a priority. I’m not
proud of this black mark on my records, and I would be extremely grateful if
you could honor this request to remove the lateness from my credit reports.
It would help me immensely with my future endeavors. Thanks for
considering me in the first place I hope we can continue to build our
relationship in the future.
If the lateness cannot be removed entirely, I would still appreciate anything
you can do to make a goodwill adjustment.
Once again thanks in advance for taking time out to listen.