Let me start by wishing everyone in this forum a happy, healthy and wealthy holiday!
Here's my situation. I have a 30 day late pay from my Household Bank Mastercard. This is my only blemish and it has aged 7 months.
I have literally sent one dozen letters to them, yet they won't budge. Here's the part I don't get. Earlier this month, HSBC approved me for a 20K line of credit, raised my Platinum MC CL to $4,750 from $3,750 and tonight I received an increase on the Household MC that I was late on 7 months ago! It was the famous $100 Household increase but it was an increase, nonetheless. This brings that CL up to $900.
HSBC has probably treated me the best out of all my creditors, yet I can't get them to remove that 30 day late.
What else can I do? I know that late pay has dropped my Fico's an it was the reason why BofA recently denied my request for a CLI.