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More Letters
Negotiating a Settlement with
Utility Companies
Date
Regional Utilities
Address
To whom it may concern:
Please be advised that this correspondence is an effort to once again satisfy
the obligation listed with your company as account number _______________ and
with (Credit Bureau Name)
as account number ___________ in the amount of $_____________.
You state, "In order for us to maintain the integrity of all the accounts that
we refer to Equifax, we will only cancel accounts if they have been referred due
to an error on our part."
I doubt that this is the first time a meter was not transferred from one owner
to another correctly.
My request does nothing to breach your integrity concerning other accounts
with(Credit Bureau Name).
It is the popularly held standard that the Fair Credit Reporting Act concludes
that paid collection accounts may be reported for seven years from the date of
last activity. Thus, if a consumer, such as myself, were to pay off a debt, one
would be burdened with the negative trade reference for an additional seven
years above and beyond that time which may have already passed.
It is my goal to be free from an additional seven years of negative credit data
pertaining to this account. In my last correspondence dated ____________, ( see
enclosed copy), I requested your assistance in putting this error to rest by
making payment, even though I was not the recipient of the services being billed
for. I thought I had made it clear chat this proposal is being made only for the
purpose of compromise and is not in any way to be construed as an admission of
any liability, wrongful or negligent conduct or bad faith on the part of either
party.
Accordingly, I am again requesting your help in deletion of this account from my
credit reports when payment in full is received as this is not accurately
portraying what happened. In this instant matter, your company will collect the
obligation in full and I will face no more of a credit reporting burden than
that already sustained.
Sincerely,
Name
Address
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Equal
Housing Lender. © 2005 Shea Mortgage Inc., 155 Inverness Drive West #100
Englewood, CO 80112. Some products may not be available in all states. This is
not a commitment to lend. Restrictions apply. All rights reserved.