Two factors usually apply.
First is the degree to which the creditor considers any deletion of prior, accurate reporting to be improper.
The CRA credit reporting manual instructs furnishers not to delete prior reporting based on satisfaction of a debt.
The CRAs are in the business of selling complete credit reports, and consider any deletion of accurate information to reduce the value of their product.
Some furnishers refuse any PFD or GW requests, while others will consider exceptions.
Second is your reason for the delinquency, and the chance of recurrence.
If you can provide a sob story, such as illness, job loss, etc., AND that you have now overcome that event, they may be pursuaded.
Since such deletions are contrary to their credit reporting agreements with the CRAs, many furnishers pass down general no-deletion policies to their subordinates.
Management sets such policies, and thus has the authority to grant exceptions.
Thus, obtaining the name of an upper management official is otten the key to obtaining exceptions to any non-deletion policy.
