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Posts: 197
Credits: 4738.65

What I'm looking for (a long shot, I know) is a request to delete a negative mark that was already paid through collections. Can anyone point me in the right direction?


Company name


I am writing to you today regarding my ----------- account ------------------------------------. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.

I hope that ---------------- is willing to work with me on erasing this mark from my credit reports.

I would like to STRESS that the information currently being reported IS accurate, (I am not disputing anything with ---------------). I am simply asking -------------for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be ------------- normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that ------------- will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Best Regards

Sub: #1 posted on Mon, 08/25/2008 - 21:10

billyg35 billyg35

(Posts: 31 | Credits: 5.65)

that same letter worked for me in combination with disputes to the credit reporting agencies 3 weeks after sending the letter.

Sub: #2 posted on Mon, 08/25/2008 - 21:41

smo65d11 smo65d11

(Posts: 1468 | Credits: 133.12)

Thank you!!

So are you recommending that I send the exact same letter to the BIg 3 as well?

Sub: #3 posted on Mon, 08/25/2008 - 22:58


Sorry that last response was me, I must have gotten logged out.

Sub: #4 posted on Mon, 08/25/2008 - 22:59

Breakthecycle2 Breakthecycle2

(Posts: 197 | Credits: 47.39)

Whether it worked by convincing them, or if they wouldn't have responded to my dispute in the first place, I don't know.

All I can say is that it worked for me to remove several paid-in-full collections from my credit reports.

Sub: #5 posted on Mon, 08/25/2008 - 23:10

smo65d11 smo65d11

(Posts: 1468 | Credits: 133.12)

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