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First question I have is Should I refinance to roll my first Lending Tree mortgage and home equity loan together? Looking forward for any answer or 2. Second question of mine... Did I ruin my changes of cleaning up some negative tradelines by having talked and agreed to a form of payment to the CA? I have paid them 40% of the balance so far, but would like to negotiate "payment in exchange for deletion" which is UNLIKELY to happen now. Either way I just sent the CA a VALIDATION LETTER just in case..

This is pretty much what I said in the original response to them. I know, rookie mistake....

To CA:.

I am very sorry to inform you that due to recent personal economic situations I have fallen behind on making my regular monthly payments. For many years I have conducted my debt liabilities very responsibly as I have paid my debt to debtors on a regular and consistent basis, and maintained very good credit worthiness as a result..

With the goal of paying my de balance of $700, I am sending an initial payment for the amount of $100.00. From this date going forward I will send Allied Interstate Inc, a monthly payment of $50.00 until the balance is paid in full. In the event that I am able to increase the payment or pay in full, I will notify you in writing again. I thank you advance, of your understanding and patience, and acknowledgement of my acting in good faith towards paying this debt..

Regards,.

Name".

By having talked on the phone with the CA and having sent them the letter above…DID I shoot myself on the foot, and thus loose all benefits of the VALIDATION strategy?..

asked Feb 28 at 19:19

Isabelle
's gravatar image

Isabelle
47


Good question... I dunno what is the right answer to your question. I'll do some research in Google and get back to you if I bump into an good answer. You should email the people at Lending Tree as they probably know..

answered Feb 28 at 20:41

Bella
's gravatar image

Bella
4369

No, you didn't fhoot yourself in the soot but you didn't help yourself any either. (LOL).

But let's see what your validation letter said. That will be much more relevant...

answered Feb 28 at 21:03

Lillian
's gravatar image

Lillian
2629

OK, Make all the fun you want, as long as you provide good advice which so fargreat!.

I make typos because I am trying to cram all the work in a short amount of time......

answered Feb 28 at 22:02

Rebecca
's gravatar image

Rebecca
4942

I don't know whether this was directed at me or the person who commented on your typo. I had not even noticed that when I posted my answer to you. I never realized that you had made any mistake and that one could hardly be termed a typo. All you did was type the wrong word although I'm quite sure that you do and did know the difference. Just one of those things that happens to all of us at one time or another so I wasn't refering to it at all...

answered Feb 28 at 22:45

Grady's gravatar image

Grady
3194

Didn't mean to come off as poking fun. Just trying to give some constructive criticism. I hope that you're successful in your quest regardless...

answered Feb 28 at 23:27

Guadalupe
's gravatar image

Guadalupe
2039

To CA:.

I am very sorry to inform you that due to recent personal economic situations I have fallen behind on making my regular monthly payments. For many years I have conducted my debt liabilities very responsibly as I have paid my debt to debtors on a regular and consistent basis, and maintained very good credit worthiness as a result..

With the goal of paying my due balance of $700, I am sending an initial payment for the amount of $100.00. From this date going forward I will send Allied Interstate Inc., a monthly payment of $50.00 until the balance is paid in full. In the event that I am able to increase the payment or pay in full, I will notify you in writing again. I thank you advance, of your understanding and patience, and acknowledgment of my acting in good faith towards paying this debt..

Regards,.

Name"bornlooser.

==============.

Don't make excuses like this:CAs don't by them..

This is a confession. Never send them anything like this..

What you want to do is send the validation letter a copy of which I posted in your other thread.

The END ************************* LB 59..

answered Mar 01 at 01:03

Kelvin's gravatar image

Kelvin
3086

I wish I knew then what I am starting to know now.....

answered Mar 01 at 02:30

Victoria
's gravatar image

Victoria
199

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