Question about baddie and goodwill

[Cmikul]

I have 1 baddie reporting...it's a late payment from Jan of this year.  I was considering doing a goodwill letter to see if they would delete it....but I found out thru my research that I have 3 late pays last year on that card that never got reported.

I don't want to stir the hornets nest and have them decide to start reporting those but this 1 baddie is killing me.

Recomendations???

[Cmikul]

Bump for advice 

[Anonymous]

---

@Cmikul wrote:

I have 1 baddie reporting...it's a late payment from Jan of this year.  I was considering doing a goodwill letter to see if they would delete it....but I found out thru my research that I have 3 late pays last year on that card that never got reported.

I don't want to stir the hornets nest and have them decide to start reporting those but this 1 baddie is killing me.

Recomendations???

---

My opinion - its not worth the hassle and risk. Yeah, a 30 day late will really hit your scores hard at first, but you are almost at the one year mark already, and it will pretty much be invisible (scorewise), after 24 months.

[Cmikul]

Thanks!

[RobertEG]

+1

Seeing the presence of prior lates would mitigate against their possible good-will, and could result in their decision to add those derogs.

A 30-late is a minor derog.

I would not recommend any corresponsdence that would cause an account review at this time.