Question:
Has anyone asked a credit company to remove late payments. This is called a "goodwill" adjustment? If so did you have any luck?
Answers:
5 min. ago. the rep said it was a joy to work for people who were as nice as I. be kind, maybe fib a little and tell them that you did not receive a statement, or simply say you've misplaced it. If your polite it should work GOOD LUCK
Payments received within thirty days of the due date are not reported to the credit bureaus. However, once a delinquency has been reported to the bureaus, there is little you can do it have it expunged from your records.
Just keep paying on time, and time will heal all wounds.
You can however get the late fee expunged fairly easily, or atleast a portion of the fee.
I AM ASSUMING THAT THIS IS THE FIRST AND ONLY LATE PAYMENT YOU HAVE MADE -- YES MY GF HAD A LATE PAYMENT REMOVED SHE HAD ALWAYS PAID ON TIME BEFORE AND SHE DID FORGOT TO SENT IN THE PAYMENT. SHE DID NOT LIE - SHE FLAT TOLD THEM IT WAS STUPID MISTAKE ON HER PART AND THEY REMOVED THE LATE PAYMENT REPORT. OF COURSE IF THIS IS NOT THE FIRST TIME I WOULD SAY FORGET IT -- BUT IN THE FUTURE MAKE YOUR PAYMENT AS SOON AS YOU GET YOUR BILL AND PAY MORE THAT THE REQUIRED AMOUNT EVERY TIME AND AFTER A FEW MONTHS 4 OR 5 THAN TRY TO GET IT REMOVED. GOOD LUCK
Once it has been reported to the credit bureaus, it is pretty hard to have it removed... But by making your payments on time from here on out, the late payment mark should roll off (you would in fact be repairing your own late mark by making your payment on time each month.
Good questions
learn more here:
http://www.creditinfocenter.com/consumer...
(Make sure to check out the forums - there are many people there who actually want to help - and it is extremely useful to just read through past posts)
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