If you have time I would appreciate some opinions regarding this letter I plan to mail. Any suggestions are graciously accepted. Thx Thursday, October 21, 2004 JCPenney/Monogram Credit Card Bank of Georgia P.O. Box 9704 Macon, GA 31294-9822 Re: Account# ######## Dear JCPenney Credit Services, I am writing in regards to a notation you have on my Equifax Credit Report. The notation indicates that the account was â??Included in Bankruptcyâ?. I did in fact file bankruptcy in 2001 however I believe this notation to be in error; either by my attorney mistakenly including you in my bankruptcy or by some technical glitch. The reason I say this is that this account had no balance owed, in fact it had no balance owed for 3 years prior to my filing for bankruptcy. Currently this notation is hindering my ability to obtain a new lower rate mortgage on my home. In light of the current rates I respectfully ask that you please remove this notation from my report so that I may take advantage of these lower interest rates. I would appreciate you taking this matter into consideration. If you need additional information please contact me at the phone number or address above. Thank you in advance, Awaiting Consumer SSN: XXX-XX-XXXX Cc: file
