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NEGOTIATION LETTER 3
Your name
Street address
City, State Zip
Date
Credit Manager
Name of Creditor
Street Address
City, State Zip
Re: Request credit rating upgrade on account # (list account number)
Dear Sir/Madam:
Approximately (? years) ago I had some trouble with the above listed account.
This account is being reported to the credit bureaus in a most injurious manner. Consequently, I have found it to be most difficult in obtaining credit because of this past problem. And am told that I must live with this for seven years. I do not feel that this is fair and it does not truly reflect my current credit worthiness.
I realize that there were problems in maintaining this account to your satisfaction. During that time I was ... (give explanation of situation which caused problem to originally occur).
I assure you
that I am now back on my feet, more than (?) year, and request that you re-evaluate my credit rating.
You have received all monies which were owed to you and feel that I have paid long for my mistake, in many ways than one.
I am hoping that this explanation will persuade your company to restore a favorable
crediting rating in the connection with this account. We all deserve a second chance, don't we?
Please indicate your decision on this letter and return the signed original to me.
(Please hold a copy for your files.) I will then notify the credit bureaus of your authorization.
[ ]Change my credit rating to "Paid Satisfactorily" (Removing any negative status information).
OR:
[ ]Delete the account completely from any and all of my credit profiles.
Your name: ___________________________ Title:_________________
Telephone Number (and Extension):__________________
Stamp or Seal:_________
Comments:__________________________________________________
___________________________________________________________
___________________________________________________________
Thank you again for your consideration to this matter and look
forward to hearing from you.
Sincerely yours,
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