[Trish]

Sure.......this is the one I used. I found it and modified to fit my situation.....but it's a pretty good letter and worked for several people that used it.


Date

HSBC Bank USA
Attn: Big Wig
Corporate Addy

Re: Acct # xxxxxxxxxxx

Dear Mr. CEO/Pres,

I am writing concerning my experience with HSBC that is both a grateful "thank-you" and a pressing request concerning a tradeline in my credit files that I would like to have revised.

I received my HSBC MasterCard in January of 2002 and took pride in the fact that the fact that all my payments were routinely made in a timely manner. Unfortunately, in the winter of 2008, I had a tragic accident and was in the hospital over Christmas. I am the sole provider for our family and was unable to go to work for over a month. I did use what little vacation and sick time I had to cover our living expenses but needless to say, this left us in an unfavorable position financially. Not only do we have three young children but it was at the hardest time of the year since it was Christmas. Concessions had to be made and regretfully, this led to a late payment on my HSBC account.

The loss of income, even though it was a short period of time was a brutal “wake-up” call for me concerning financial responsibility. Since that incident, I have learned the essential organizational and financial management skills I desperately needed at that point and my payment history from February 2009 reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with HSBC, one that I am determined to keep untarnished.

My wife and I are about to begin the process of purchasing a new home, and it has come to my attention that the late notation from HSBC may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my current status with HSBC, I am requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at HSBC, and I plead for such consideration.

If any additional documentation would assist in reaching a positive outcome please feel free to contact me.

I thank you again for the time you have spent reading this correspondence.

Very hopefully yours,

Your name