I looked in the old GW letter support thread but it looks like it was retired. Need help with this GW letter to Portfolio recoveries:
July 20, 2015
Regarding: Account No. XXXXX
CITY, STATE ZIP
To Whom It May Concern:
Back in 2013 I had a Capital One account that I loved. Unfortunately due to losing my job and falling on hard financial times I was unable to make payments. I was a lot less informed about credit and how important it was and was very irresponsible at the time, and eventually I fell way behind on the account.
Eventually the account was assigned to Portfolio Recoveries. I am much more responsible and understand how important credit is and not ignoring situations. I worked hard to save up the money to be able to pay this account off.
I am asking for a goodwill in deleting this charge off from my credit report. I made mistake and would like a second chance in building my credit the right way. If you could please remove the collection completely from my credit report as goodwill gesture it would be greatly appreciated.