I hit a rough patch 3 years ago, and had several account go into collections. Since then i have paid all but 2 of the Large accounts off, mostly by settleing with a CA.My wife and iI are looking at possibly trying to buy a home in the not to distant future and were wondering, *Is there a way to have the charge offs removed from our credit reports? I’ve heard something about Good Will letters, but was not sure if this was the proper procedure. Also if *there is, would we each have to send one in on joint account or would one letter apply to both of us.
thanks in advance.
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