MAKE THE FALLOWINN IN 210 WORDS

Question

I hope this message finds you well. I am writing to formally dispute the reporting of five late payments on my credit account associated with Swiss Colony. I would like to provide context regarding these late payments and request your assistance in correcting this matter.
Firstly, I would like to explain that during the period when these late payments were recorded, I was experiencing serious health issues that rendered me unable to make timely payments. I communicated this situation to your team at the time, and it was my understanding that my circumstances were considered. Notably, I received confirmation that the late payments were forgiven due to my situation, which allowed my account to be marked as being in good standing. Subsequently, however, I noticed that these late payment records were re-entered on my account, negatively impacting my credit score. This reversal has caused me significant distress, particularly as my account is now fully paid and current. I kindly ask you to review my account history, noting the previous forgiveness of the late payments due to my medical condition. Given the situation and my commitment to rectifying the account by bringing it current, I believe there may have been an error in updating my account status.
Please take the necessary steps to rectify this situation by removing the negative remarks associated with the late payments from my credit account. I appreciate your understanding and support in resolving this matter and look forward to your prompt response.
Thank you for your attention to this issue.
Sincerely,
Oscar Manuel Gonzalez

Answer 1

Subject: Dispute of Late Payments on My Credit Account

Dear [Recipient's Name],

I hope this message finds you well. I am writing to formally dispute five late payments recorded on my Swiss Colony credit account. I would like to provide some context and seek your assistance in resolving this matter.

During the period when these late payments occurred, I faced serious health challenges that hindered my ability to make timely payments. I communicated this to your team, and I believed that my situation was taken into account. At the time, I received confirmation that the late payments were forgiven, and my account was marked as being in good standing.

Unfortunately, I have recently observed that these late payment records have been re-entered, adversely affecting my credit score. This situation has caused me considerable distress, especially since my account is now fully paid and up to date.

I kindly request that you review my account history and the prior forgiveness of the late payments due to my medical condition. I believe there may have been an error in updating my account status.

Please take the necessary steps to correct this by removing the negative remarks related to the late payments from my credit account. Thank you for your understanding, and I look forward to your prompt response.

Sincerely,
Oscar Manuel Gonzalez