i am currently in background with a state agency. bakkgroung is clear other then credit i owe less then 1,000 total. my bi wanted me to write a summary of my credit history. could smoebody please read and let me know what you think before i submit it. thank you in advance.
To Whom It May Concern:
Dear Sir or Madam:
My name is ------ I am applying to become a Highway Patrol Cadet in the state of ------. I am currently employed as a juvenile corrections officer in ------- County California. My current position requires me to rotate schedules every four months. This has put my wife in a compromising position as far as her employment. We have a two year old daughter; as a result my wife must change jobs every four months to accommodate my schedule, and provide care for our daughter. We both agree that we do not want to put her in day care.
My wife had a problem finding a job approximately eight months ago. It took her longer then expected. This resulted in my paycheck being our sole source of income for approximately two to three months. During this time we fell behind on all of our bills. It reached the point to where I had to do what I felt was right for my family. This meant only paying the “necessary” bills. These included electricity, phone, heat, rent, car, and insurance.
As a result two of my credit accounts were sent to collections (Capital One and Structure), and one became delinquent (MBNA). I have set up a payment schedule with MBNA and have made payments on 10/26/2004, and 11/25/2004. Furthermore I have been in contact with the collection agencies from the above mentioned accounts and am planning to pay them off in full by 12/10/2004.
This letter is not meant to excuse my inability to fulfill my financial obligations rather it is to provide my plan of action as I am going through the background process. Along with my intense passion for becoming a highway patrol officer I am looking for a job that will provide my family with an income that will allow my wife to be a stay at home mother and alleviate the stress that shift work can put on a family. Thank you in advance for viewing this document.
Respectfully Submitted,


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