@Switch2007 wrote:
@Brian_Trying_700 wrote:Thanks again for all your help. So I called them and said to fax a updated credit report with the Macys late payment deleted. I have a good faith letter from Macys stating I have never missed a payment in 4 years. How can I get this negative off my report ?
I think you would do better with talking to Macy's about deleting it completely rather than getting them to write a good faith letter. If Macy's feels like you're a great customer, maybe they'll be more than happy to remove the late payments. Citi has pretty strict guidelines on lates and such, so it may not be to your benefit to go with them with those baddies on your report. Have you tried Chase Freedom? Or B of A Rewards? Before going on an app spree, you can check some pre-approval sites, I've found them to be pretty accurate from what I've read on the forums. (Amex has one on their site, and can let you know whether or not they have any offers for you). Your overall credit file seems pretty thin though.
I think he said he already has the letter from Macy's. How he got the letter he did not say...
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