Marcus Cuadra sent a message to Thomas Folliard that said:
Hello Mr. Nash, I am a customer of CarMax for a while now and ran into some financial difficulties last year due to my wife becoming ill. I'm a hardworker and do my best to pay my bills on time. I had a few late payments due to the hardship of caring for my wife while trying to work. As a result they are now reporting as past lates on my credit report. I'm current now on my payments but kindly asking if there's any way the past lates can be removed as I'm trying to buy a home in the near future. This would help greaten my chances and I would be so appreciative if you could do that for me. Thanks so much for reading this and for your consideration in this matter.