https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HSBC-TravelSmith-credit-card-one-30-date-late-that-they-won-t/m-p/520461#M69659 <P>I have sent by fax (as requested) and by mail, a good faith letter to HSBC for the removal of a 30 day late back in 11/07.&nbsp; The 30 day late was due to an exchange of clothing I made.&nbsp; At the time, because so much clothing was involved, the rep said that once the exchange was made, a new bill would be sent.&nbsp; The bill was paid but somehow, through all the confusion, a 30 day late was tacked onto my account. The account is now closed (by me).</P><P>&nbsp;</P><P>I have received <STRONG>two</STRONG> letters from HSBC saying that it is not their policy to remove lates.&nbsp; What else can I do?&nbsp;</P> Mon, 15 Jun 2009 16:34:07 GMT Anonymous 2009-06-15T16:34:07Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HSBC-TravelSmith-credit-card-one-30-date-late-that-they-won-t/m-p/520461#M69659 <P>I have sent by fax (as requested) and by mail, a good faith letter to HSBC for the removal of a 30 day late back in 11/07.&nbsp; The 30 day late was due to an exchange of clothing I made.&nbsp; At the time, because so much clothing was involved, the rep said that once the exchange was made, a new bill would be sent.&nbsp; The bill was paid but somehow, through all the confusion, a 30 day late was tacked onto my account. The account is now closed (by me).</P><P>&nbsp;</P><P>I have received <STRONG>two</STRONG> letters from HSBC saying that it is not their policy to remove lates.&nbsp; What else can I do?&nbsp;</P> Mon, 15 Jun 2009 16:34:07 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HSBC-TravelSmith-credit-card-one-30-date-late-that-they-won-t/m-p/520461#M69659 Anonymous 2009-06-15T16:34:07Z