Hello, I need to have some accounts closed. I would like a form letter. Can you help me? Also, I would like to have the late pays removed from my credit report. Any suggestions? Lastly, I want to have the status overturned. I dealt with 2 collection agencies. I paid them both off w/o getting anything in writing. What can I do. BTW, I took the advice of the board and I'm doing this myself. Thanks for the empowerment. Below 500 and rising.
