홈
탈퇴한 전문가 님 답변
답변일
6/5/2018 7:30:03 PM
벌써 리포트가 됬지만 토요타 파이넨션엘 연락을 해서 , 왜 좋은 크레딧을 유지 해야 하는 계획을 설명 하고, 어떻게 늦은지 설명을 해서 기록을 지워달라고 시도 해보실수 있습니다. 하지만 FCRA 따라 파이낸셜 기관도 의무를 다하는것이기에 항상 성공 한다고는 볼수 없습니다. 그러나 저희회사에서 이런방법을 사용해 성공한 사례들이 있어서, 도움이 되시기 바라면 조언 해드립니다. 또한 전화로 해서 성공이 안되도 끈기를 가지고 여러번 시도 해보시면 좋고 , good will 편지를 보내보실수도 있습니다. 중요한것은 팔로업을 지속적으로 하셔서 토요타 측에서 편지를 받으셔야 합니다
* 변호사가 아니기에 법적자문이 아니고 개인적인 의견임을 알려드립니다*
샘플 편지 (only sample)
Sample goodwill letter
Here’s a template goodwill letter for missed payments on a credit card.
[your name]
[your address]
Account Number: [your account number]
[date]
To Whom It May Concern:
Thank you for taking the time to read this letter, and I hope your day is going well. I’m writing because I noticed that my most recent credit report contains [a late payment/late payments] reported on [date(s)] for my [name of account] account.
I want you to know that I understand my financial obligations, and if it weren’t for [circumstance that caused you to miss a payment], I’d have an excellent repayment record. I made a mistake in falling behind, but since then, [description of how your circumstances have changed or how you’ve improved your money management]. Since then, I’ve had a spotless record of on-time payments.
I’m planning to apply for [a mortgage/auto loan/etc.], and it’s come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesn’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [date].
Thank you for your consideration, and I hope you’ll approve my request.
Best,
[your name]
* 변호사가 아니기에 법적자문이 아니고 개인적인 의견임을 알려드립니다*
샘플 편지 (only sample)
Sample goodwill letter
Here’s a template goodwill letter for missed payments on a credit card.
[your name]
[your address]
Account Number: [your account number]
[date]
To Whom It May Concern:
Thank you for taking the time to read this letter, and I hope your day is going well. I’m writing because I noticed that my most recent credit report contains [a late payment/late payments] reported on [date(s)] for my [name of account] account.
I want you to know that I understand my financial obligations, and if it weren’t for [circumstance that caused you to miss a payment], I’d have an excellent repayment record. I made a mistake in falling behind, but since then, [description of how your circumstances have changed or how you’ve improved your money management]. Since then, I’ve had a spotless record of on-time payments.
I’m planning to apply for [a mortgage/auto loan/etc.], and it’s come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesn’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [date].
Thank you for your consideration, and I hope you’ll approve my request.
Best,
[your name]
