Page 69 - Winning The Credit Game Bundle (CK Patrick)

GETTING TO “PAID AS AGREED” 57

I also offer you the following template for a letter (not a phone call
—you need this in writing!) for your use if you wish to try this tech-
nique without assistance:

To Whom It May Concern:
On (Date), I received a copy of my credit report from (Credit Bureau
Name). That report lists my payments to you as being 'delinquent.'
My financial problems are now behind me and I am in a position to
pay off this debt. I can pay a lump sum amount of $______ or I can pay
installments in the amount of $______ per month for _______ months if
you will agree to one of the following:
( ) If I make a lump sum payment, you will agree to remove all
negative information from my credit file associated with the debt.
( ) If I agree to pay off the debt in monthly installments, you agree to
're-age' my account - making the current month the first repayment
month and showing no late payments as long as I make the agreed
upon monthly payments.
If this offer is acceptable to you, please check and initial one of the
above choices, sign your acceptance below and return this letter to me
in the enclosed envelope.
Thank you for your time and assistance.
Sincerely yours,

Unfortunately, this script may have lower chances of success if used
without assistance. It may not be possible to negotiate at all if the time
window for doing so on a specific debt has passed, and as with all
negotiations, there is an art to determining what offer will be
appealing enough to be accepted while still being optimally beneficial
to you. This is where an experienced expert’s eye can be useful.
My Major League Credit Repair services also offer assistance with
legally complex situations like bankruptcy, identity theft, and other
unfortunate circumstances that may occur when bills go unpaid. We
have experts including experienced attorneys who are available free of
charge to those who have documentation proving negligence or inac-
curate reporting of a debt.