06/03/2003 Regarding: Account No. Americredit ATTN : Credit Bureau Desk 801 Cherry St STE 3900 Fort Worth TX 76102 To Whom It May Concern: I am writing a letter about my experience with Americredit that is a mixture of a grateful "thank-you" and a pressing request concerning a tradeline in my credit files that I would like to have revised. I received the Americredit Loan before I, becames ill .Later when I experienced a lay off and while working on finding work, I became disorganized with respect to, as you saw, making timely payments with Americredit . I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Americredit since that time. To be honest, that year was a "wake-up" call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Americredit late entry -- are excellent.. We are about to shop for a mortgage, and it has come to my attention that the late notations from Americredit may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service repesentative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Americredit, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. Very hopefully yours,
