Date: December 29, 2008Regarding: Account No. XXXXXXXXTNB-TargetCredit DepartmentPO Box 673Minneapolis, MN 55440-0673To Whom It May Concern:I am writing a letter about my experience with the Target National Bank Credit Card thatis a mixture of a grateful "thank-you" and a pressing request concerning a past due trade-line in my credit files that I would like to have revised.I received the Target National Bank Credit Card in XXXX, several years before myseparation in (DATE). During the subsequent divorce proceedings, I was forced to moveout of my home putting me in the position of having to financially maintain twohouseholds. As a result, I fell behind in my bills. (This is a bit of a fib, I was actually lateseveral times prior to my separation, but it worked)! I fully recognize my responsibilitywith respect to payable accounts, and as a result, the balance on this account has been paid on time for the past several years and subsequently has been closed.I am currently trying to rebuild my credit, and have been able to show that I am a capableof responsible credit management as reflected in my credit records. A new “store” cardwould help to improve my credit file tremendously. Of course, the minor infractions onmy file would most likely prevent me from obtaining a new line of credit with Target National Bank (Cheesy, but again, it worked!)I am requesting that you give me a second chance at a positive credit rating by revisingthose trade lines. Your customer service representative suggested that I write you for a"goodwill adjustment." I sincerely hope that there is redemption at Target National Bank,and I beg you for such consideration. Please let me know if any additional documentationwould assist in reaching a positive outcome, and I thank you again for the time you havespent reading this letter.Very hopefully yours,Your NameAddress------------------------------------------------------------------------------------------------------------------------------------

Date: December 31, 2008Regarding: Account No. XXXXXXXXXWells Fargo Home Mortgage3480 State-View BlvdFort Mils, SC 29716(800) 288-3212To Whom It May Concern,I am writing a letter about my experience with Wells Fargo that is a mixture of a grateful"thank-you" and a pressing request concerning a Home Mortgage trade-line in my creditfiles that I would like to have revised.I received the Home Mortgage in Date, several years before my separation in Date.During my separation and subsequent divorce proceedings, I was forced to move out of my home putting me in the position of having to financially maintain two households. Asa result, I fell behind in my bills.Although the mortgage eventually fell into foreclosure (do in part to the beginning of thehousing market collapse in the spring of 2006), Wells Fargo was extremely helpful inworking with me during a time of separation, divorce, and financial hardship. The helpwith which I was given in trying to maintain my payments while trying to sell the houseand prevent foreclosure was a great benefit and did help me to move forward. Now, post divorce, I am trying to rebuild my credit in preparation for getting a newmortgage. I have been able to show that I am a capable of responsible credit managementas reflected in my credit records. I am requesting that you give me a second chance at a positive credit rating by revising those trade lines with the Credit Reporting Agencies. Isincerely hope that there is redemption at Wells Fargo Mortgage, and I beg you for suchconsideration. Please let me know if any additional documentation would assist inreaching a positive outcome.Regardless of your decision, please know that I thank you for helping me at a time whenit was needed, and I hope to do business with Wells Fargo again one day.Very hopefully,Your NameAddress