write a good will letter to your old bank they will remove it I had a sucess with my previous bank
That's worth a try of course but no guarantee. Wells Fargo would not remove early.
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work
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Mine was a valid reason as the charges occured and then I was out of country . So they were ok to remove it. But Its worth a try.
Good idea...I wasn't sure if you could employ the same tactics as one would for CAs. I'll give it a shot.