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I'd say just tell them how it is, play the sympathy card, and embellish a littl bit. Explain to them some of the negative effects your bankruptcy has had on you and what you're doing to improve your life. Try several different angles if you have to.
Way to go. You're a example of the old adage, it never hurts to try. They will either sympathize with you or not. To me its worth a couple of postage stamps and a few hours of my time. Congrats on your success and score bump and thanks for sharing.
Just spoke with Cap 1 EO about a goodwill removal of a charge off. She said I'll get a call back from her in 5-7 business days.