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Do goodwill letters work with closed accounts? I had a 30 day late payment about a year ago with an HSBC card and closed it about 6 months ago. I had another 30 day late payment with a BOA card that I actually just closed 3 days ago. I didn't realize until I checked right now that was a card which had a late payment. (I know generally you aren't supposed to close accounts but I had 5 cards and closed these 2 because of high interest rates and they weren't my oldest accounts. My score actually went up because I had payed off all my debts simultaneously)
Would they remove it from my record if my account is closed?
Is there any benefit to agreeing to re-open an account if they remove the bad info?
Which could help/hurt my score more?
For Bank of America, I would try the backdoor number and talk to credit analyst and see if they will remove the late and reopen the account with better interest rate.
HSBC, try a letter, never you know.