A good will letter to remove negative items on a credit report ?

[Anonymous]

There's three negative items on my credit report . Capital one , HSBC and SST/ COLUMBUS BANK & TRUST . There all mines I was late on my payments . I paid these companies in 2008 . So its paid in full. I just really want to get these items removed . Any suggestions ?

[RobertEG]

What are the negative items, and are the accounts still open, or are they now closed?

[Anonymous]

Late payments. 30/60/90 days late. All closed . Paid in full in 2008

[llecs]

Send a GW letter to each.

[Anonymous]

Ok . I can't find a sample GW any where . I'm not sure how to start .

[Anonymous]

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Sample-GW-letters/m-p/617352#M91952

There is a search feature.  I typed in "Sample GW" and it found these.  You may want to do a more specific search to find more samples that are closer to your set of circumstances.

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.