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Letter Critique Please

Discussion in 'Credit Talk' started by almostther, Nov 9, 2003.

  1. Nov 9, 2003 #1
    almostther

    almostther Well-Known Member

    I recently requested a DV from a utility company in 1998. It's been continually validated and at this point I just want to pay it and get on with my life. The lady that responded was very polite, didn't make any crude remarks, offered to set up a payment plan, etc. It's my opinion I should just pay. That being said-I'd like it to be deleted if at all possible. Does anyone think my humble letter below will do the trick? And do I need to make it stronger? (I am wimpy at times!)

    11-10-03

    Dear Ms XXXXXX,

    Thank you for the response to my debt validation letter.

    I apologize fully for the delay in resolving this matter, I believed this debt had been paid and was only an oversight on the part of XXX Company. It does appear this may be my debt, and I would like to close this matter in a way that is palatable for both of us. I am respectfully asking that you accept my offer of payment in full for deletion of this item from all three of my credit bureaus.

    Once I receive a response to this offer, I will mail you payment in full in the amount of $251.65.



    Sincerely,

    almostther
     
  3. Nov 9, 2003 #2
    jenz

    jenz Well-Known Member

    i like it...simple, your not fulling admitting fault and your asking for a courtesy deletion. i think they'll bite - theyve only got 2 yrs til the SOL is up so this will be their last chance to get their money.

    good job.
     
  4. Nov 9, 2003 #3
    almostther

    almostther Well-Known Member

    Thanks! The only thing that's got me is that this is past the SOL for AZ and KY I think! The cheapskate in me wants to offer half since there's been ZERO collection activity.

    But think I am going to send it as is, and thanks again for the review!
     
  5. Nov 9, 2003 #4
    jenz

    jenz Well-Known Member

    if they haven't even tried to collect offer them 1/3 of the original amount. if they don't accept that, offer half.

    i once settled on a medical collection for 10 cents on the dollar...
     
  6. Nov 9, 2003 #5
    AtlantaGA

    AtlantaGA Well-Known Member

    I would modify it slightly.

    After reviewing your information, I remain unsure that this belongs to me. However, as an attempt to resolve this expeditiously and amicably, I will offer $xxx as a full settlement, on the condition this item is deleted from my credit reports and I am supplied with a signed UDF showing this will be done.
     

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