홈
m**6****
님 답변
답변일
8/20/2016 11:08:35 PM
1. 항의할 사유가 없습니다. 본인께서 설정하신데로 Chase는 process를 했습니다. 잔고가 있는지 없는지는 Chase첵임이 아닙니다.
2. 달라지는 것은 income to debt ratio가 줄겠지요. 하지만 late/non-payment로 credit score가 내려간것은 조정이 안됩니다. Pay-off하시고 다시 좋은 payment history를 지금부터라도 쌓으시는것이 좋습니다.
3. 다른 credit card와는 별계문제 입니다.
4. Credit bureau와는 dispute을 할수있지만 언급하신 내용은 dispute할수있는 사유가 안됩니다.
5. 도움되는것은 없습니다.
6. 크레딧 회복은 시간이 지나면 차차되겠지요 (good payment history), 하지만 late payment 기록은 7년간 남습니다.
우선 Chase에 연락 하시고 Goodwill Adjustment를 요청하세요. Automatic Payment를 다시 설정하고 우선 $12,000을 payoff하겠다고. Request letter샘플 첨부 합니다.
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]
2. 달라지는 것은 income to debt ratio가 줄겠지요. 하지만 late/non-payment로 credit score가 내려간것은 조정이 안됩니다. Pay-off하시고 다시 좋은 payment history를 지금부터라도 쌓으시는것이 좋습니다.
3. 다른 credit card와는 별계문제 입니다.
4. Credit bureau와는 dispute을 할수있지만 언급하신 내용은 dispute할수있는 사유가 안됩니다.
5. 도움되는것은 없습니다.
6. 크레딧 회복은 시간이 지나면 차차되겠지요 (good payment history), 하지만 late payment 기록은 7년간 남습니다.
우선 Chase에 연락 하시고 Goodwill Adjustment를 요청하세요. Automatic Payment를 다시 설정하고 우선 $12,000을 payoff하겠다고. Request letter샘플 첨부 합니다.
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]
