Thank you for giving me hope. I'm going to send another letter out... The hardest thing is it is a small town personal bank. We don't bank with them anymore as it was from the previous town we lived in, but my in laws still live there. Do you think they'll get upset with us continuing to send letters. How would I reword another letter in response to the whole ".... Unfortunately we are unable to have the credit reporting agencies reverse the past due marks on your credit. Once it has been reported we are unable to reverse items...." crap?
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