How do you ask a creditor to close a closed account?

You can use a goodwill letter to request that a creditor remove a closed, paid account from your credit report. Creditors don't have to give in to a goodwill request, no matter how nicely you ask, but you may get lucky and find one who's sympathetic to your request.

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Credit Letter to Close Account

Oregon Credit Letter to Close Account

Name: Oregon Credit Letter to Close Account
Brand: US Legal Forms
Rating: 4.55 (477 reviews)

Category:

Letters - Credit - Debt Settlements

State:

Multi-State

Control #:

US-MC-0001

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Credit Letter to Close Account

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How to fill out Oregon Credit Letter To Close Account?

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Contrary to what many consumers think, paying off an account that's gone to collections will not improve your credit score. Negative marks can remain on your credit reports for seven years, and your score may not improve until the listing is removed.

Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. Thank you for your consideration.

If you have paid off and closed the account, the late payment will be removed from your credit report seven years after it was first reported, but the account itself will remain 10 years from the closed date.

If you don't necessarily have any incorrect information to dispute but you still want a closed account removed from your credit reports, you can also write the credit bureaus a goodwill letter. This type of formal request could lead to having an account removed out of goodwill, yet there are no guarantees.

Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.

As long as they stay on your credit report, closed accounts can continue to impact your credit score. If you'd like to remove a closed account from your credit report, you can contact the credit bureaus to remove inaccurate information, ask the creditor to remove it or just wait it out.

When you close accounts, the correct way is to call or send a letter to the customer service department of the card issuer (not the credit reporting company). You should receive an account closing confirmation letter in 10 days. You shouldn't be tempted to cancel several accounts all at once when you close accounts.

Steps to initiate a pay for delete letterContact the collection agency in writing or over the phone to request a pay for deletion.Once the collection agency agrees to a pay for deletion, request a signed agreement stating they will remove the collection account or negative tradeline from your credit reports.More items...

You can use a goodwill letter to request that a creditor remove a closed, paid account from your credit report. Creditors don't have to give in to a goodwill request, no matter how nicely you ask, but you may get lucky and find one who's sympathetic to your request.

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Oregon Credit Letter to Close Account

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