HealthTchr Posted August 13, 2003 Report Share Posted August 13, 2003 hi...How can I get lates off my CR? I have a few with my mortgage ( I know...bad girl) and what I'm thinking is...since this mortgage company hasn't reported in over a year (thank GOD)...maybe I sh ould just go for it?Do I send a dispute to the CRA's saying "I was never late" kind of deal?thanks for the help!HealthTchr Link to comment Share on other sites More sharing options...
morrow Posted August 13, 2003 Report Share Posted August 13, 2003 hi...How can I get lates off my CR? I have a few with my mortgage ( I know...bad girl) and what I'm thinking is...since this mortgage company hasn't reported in over a year (thank GOD)...maybe I sh ould just go for it?Do I send a dispute to the CRA's saying "I was never late" kind of deal?thanks for the help!HealthTchrHi HealthTchr!! Welcome!!! You always want to start with a GOODWILL letter to the OC to get lates removed. Here is a sample letter:Date Regarding: Account No. XXXX Sears NAAC ATTN: Credit Bureau Desk 13200 Smith Road Middlebrook Heights, OH 44130 To Whom It May Concern: I am writing a letter about my experience with Sears that is a mixture of a grateful "thank you" and a pressing request concerning a Sears Charge Card tradeline in my credit files that i would like to see revised. I received the Sears card in [YEAR], several years before I [CHAOTIC LIFE EVENT--A MOVE, A BIRTH, MEDICAL SICKNESS, ETC]. Later when I experienced the [CHAOTIC LIFE EVENT] and while working on [WORK PROJECT], I became disorganized with respect to, as you saw, making timely payments with Sears. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Sears since that time. To be honest, that year was a "wake-up" call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which--excluding the Sears card late entry--are excellant. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. We are about to shop for a mortgage, and it has come to my attention that the late notations from Sears may preclude me from full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with Sears, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a "goodwill adjustment". I sincerely hope that there is redemption at Sears, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. Very Hopefully yours, Name AddressYou dont want to start off by disputing never late with the CRAs as this could end in COMPLETE deletion of the account. If the GW letter doesnt work, try again. I had to try a few times to get some lates removed from my SEARS account. Sometimes though, they just dont work and you can dispute never late with the CRAs, but just be forwarned! Link to comment Share on other sites More sharing options...
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