Letters to Creditors
We all know life happens. With a letter your creditor you can make request that are not damaging to your credit.
You can request a curtesy removal of the remark on your credit report with a Goodwill letter
You can challenge your debt with a validation letter
You can offer full payment, with a bona fide agreement to delete
Select the letter you would like to send. There are no guarantee that the creditor will agree to your request, althrough it has proven to be effective.