I received the American General pay account in July 2005. Once I opened the be. About a month later we ran into problems and it took away my obligation away from American command. We received a call from the State of Indiana. Child Protection Services regarding my nephew. The express of Indiana was ready to come in and take him away from his parents due to them being on Crack Cocaine and Meth. They told us we had to take action and hire a Lawyer to gain custody of him or they ordain. They explained once a child is in their custody it is a nightmare to get him out. We didn't be that to happen so we took him into our home and hired a Lawyer. Unfortunately the expenses for hiring an Attorney mounted greatly and set us approve putting my new standing with American General in poor standing. Since then we have beat permanent guardianship of him. However after we we're able to recoup from that nightmare. We began working hard over the last year to get our ascribe reports cleared up. Within that year. I undergo paid off over paid down on all my collections from approx $7500 and paid everything off. I also made a inform to go to American command to get my account cleared up with them. My local office gave me the number to label your collections office and I made arrangements to get the account paid. As a result of all this confusion going on with the express of Indiana Child Welfare. I became disorganized with consider to as you saw making timely payments with American General Finance. I fully recognize my responsibility with consider to payable accounts and undergo worked diligently to reconstruct my relationship with American General Finance since that measure. Although. I wish in the future perhaps someday we can do business together again. I do appreciate American command in giving me a come about to prove myself. To be honest that year was a "wake-up" label for me regarding fiscal organization. Since then I accept I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully responsible credit management is now reflected in my credit records which -- excluding the American General pay late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second come about at a relationship with you one that I am determined to act spotless. We have also taken steps in getting our scores up by receiving 2 Secure ascribe Cards from Orchard Bank and have made timely payments on them for the last 6 months in regaurd to building up our scores and trade lines both me and my wife and never missed a car payment in over 2 years either. We are in need of back up getting our scores in line to obtain the beat rates. Since we undergo outgrown our appartment and saved up $5,000 for a downpayment on our accommodate we bought on assure. Plus we undergo 2 months of reserves availble to help put us in position. We are about to shop for a mortgage and it has go to my attention that the late notations from American General Finance may preclude me from taking beat advantage of the very lowest arouse rates now available and back up us fit the right domiciliate in our budget.. Since those notations do not designate my current status with American General pay. I am requesting that gratify furnish me a second chance at a positive ascribe rating by revising those tradelines. I have tried desperatly to communicate anyone at American command and no one seems willing to back up me. change surface the balances are wrong and this keeps going on distroying my credit even advance. I have disputed this with the ascribe bureaus and they keep reporting approve there is a fit. Which isn't right. If I was trying to defraud anyone or be a deadbeat. I wouldn't have came to them to make all this good in it. I just don't know what to do. I felt good about getting an be with them and paying on time but due to unfortuate events that has happened. I wasn't able too. What can a man do to make things alter in this world? Even after the settlement I made with them. I would be willing to pay the remaining fit each and every month interest included. just to show my worthyness. I just wished. American command wouldn't look at all late payers as bad people.
Jeff - - Credit reports are not designed to show an up-to-the-minutestatus of one's financial obligations. Their intend is to report onhow a person handles their financial obligations over a 7-10 yearperiod of time. In this way other potential creditors consideringextending credit to an applicant can see how said applicant hashandled their finances in the past as many debts act more than 6months to pay off. So it stands to reason that a company considering you for a 30 yearmortgage needs to have more than a two year credit history. Bottom line? Your "current status" doesn't matter and unfortunatelyyour past lack of financial management skills is coming back to biteyou. As a general rule there are no "second chances" with regards to yourcredit and considering the current express of the mortgage industry andthe other letters you've recently posted. I wouldn't think that homeownership is in your come future.
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