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but for birthday cards and PERFECT for your husband’s next birthday!Let’s take a closer look at what you’ll get: Courtney of All Things Bright and Beautiful has blown us away once again with her design skills- each included birthday card is truly a unique piece of art! This takes the idea to make your own printable card to a whole new level! Our pack gives you LOTS of options to make your birthday message super-personal and unique!I’m writing because I noticed that my most recent credit report contains [a late payment/late payments] reported on [date(s)] for my [name of account] account.I want you to know that I understand my financial obligations, and if it weren’t for [circumstance that caused you to miss a payment], I’d have an excellent repayment record.A strong goodwill letter asks the creditor to empathize with you. It shows that you take responsibility for your missed payments and demonstrates that you’ll stay current on your bills in the future.It helps if you can point to a specific circumstance (for example, you lost your job but have since found a new one) that caused you to slip, or if you can show a recent track record of on-time payments. Once you’ve written the letter, send it to your creditor using the address listed on its website or on your credit report. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.
If your stationery does not include your printed address, place it in the upper right-hand corner of the first page. If your address is already printed, the date is placed in the upper right-hand corner of the first page.Paired with festive washi tape, these DIY embellishments transform a boring package into a thoughtful, unique birthday gift for him!Diva Tara even used them to decorate her husband’s birthday cake.Whatever the situation, your goal is to explain why you missed your payments and why the creditor should wipe them from the report.(Note: If a credit report incorrectly says that you missed a payment, you should follow the procedures to dispute an error instead of sending a goodwill letter).
In a goodwill letter, you ask the creditor that reported your late payments to remove the black mark from your credit reports.