When did the lates occur? Do you want to continue having dealings with them? I think that, since you're now PIF, I'd probably send them a goodwill letter OR call customer service and ask to speak to someone in customer retention. Explain the reasons for the lates, how that situation has changed, how you would like to continue doing business with them, and how you've enjoyed your service / their tools / whatever. Then ask if they would, as a good will gesture, consider dropping the lates from the reporting to the credit bureaus. (I am assuming this is an open credit line - if not, you should ask if they would consider reinstating in good standing to ensure your future business).
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010I think you'd have a lot more luck with giving them incentive to help you out - they delete the tradeline and get what in return? Your gratitude? I think you're in a better position to get the GW if you talk to customer retention (not customer service necessarily) and they see it as their money walking out the door and into their competitor's pockets. But I wouldn't threaten them with that, just, you know, explain what happened. Like, from your point of view, you were ill-informed but you don't know where the blame lies, you made a good faith effort to pay it back, and that's demonstrated by the fact that you've now paid in full, you enjoy their products, you plan to keep the account open, but you'd have more money for tools if your interest rates were lower and you can't exactly get that done with all these lates on your account.... you might resent their treatment, but you're asking them a favor and offering them no incentive if you're asking them to delete the tradeline.