THIS LETTERS ARE FOR NON-GIBBS FINANCIAL FITNESS CLIENTS ONLY!!!
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Use this letter to get your collections removed from your credit report. This letter is used to place the burden of proof on the creditor or collection agency that the debt in question truly belongs to you based on contractual law. If the creditor or collection agency is unable to provide specific documents you may be able to delete the negative item from your credit report due to lack of documents.
This letter is used for obtaining a written commitment from a creditor for which you are trying to settle with by means of a lump sum payment. This is a very important step when settling any account to ensure that the terms will be honored and the information will be reported to the credit bureaus.
This letter is used for pleading with a creditor the fact that your untarnished credit report has been affected negatively because of one problem over many years of good payment history. You are asking the creditor to remove the negative information as a one-time courtesy based on your situation.
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