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Need advise on PFD


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Hello All,

On saturday I went through all my collections and such and sent out 68.00 worth of CMRRR. Well I got a call last night that I was approved for a home loan but I need a 620 middle. Right now I am at middle of 609. So I am going to try and negotiate a PFD and wantsome constructive critisim <sp> on the letter I drafted or how to make it better. I did send them a letter of Validation so here is what I wrote:

Date: April 11, 2007



Allied Interstate Inc.

PO Box 2455

Chandler, AZ 85244

Re: DirecTV Account # **********

Dear Sir/Madam;

It has come to my attention that I accidentally sent you a letter certified mail for “Validation” (Attached). Please disregard this letter, as I got my files mixed up and made a mistake in sending to you instead of another company. I realize that above referenced account is a valid account of mine and would like to negotiate payment.

I would like to STRESS that the information currently being reported IS accurate, (I am not disputing anything with Allied Interstate Inc.). I do recognize that this request is unique and that it may not be Allied Interstate Inc.'s 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 Allied Interstate Inc. will do that in my case for this account.

So therefore I would like to pay the amount in Full, in return Allied Interstate Inc. agrees to remove the negative tradeline within 5 business days from all the credit reporting agencies, including but not limited to TransUnion, Experian, and Equifax.

If this agree is acceptable to Allied Interstate Inc. please sign below and fax back to me at 727-***-**** ASAP.

Again, I appoligize for the confusion on this account, on sending the letter for “Valadation”. I look forward to hearing from you ASAP.



Allied Interstate Inc. agrees to the above referenced agreement and will delete the tradeline’s within 5 business days from payment received.

_________________________ _______________________ _______________ ___________

Printed Name Signature Title Date

Again any help on the matter would be greatly appricated as I need to take advatage of this loan before it is pulled. also does anyone know what kind of point bump I should recieve once it is removed, it was put on my CR in Nov. 06. Thanks in advance.


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