Definitely helps to request GW on paid accounts and the older the lates are, the more willing they might be to exclude them. I'd send a letter every two weeks for the next 2 years until they get tired of getting your letters and do the adjustment. I did this with BMW, I printed 26 letters, made all the envelopes and from/to and just added a stamp every Thursday (so they arrived Tuesday/Wednesday). Seem to work and they deleted my latest after 3-4 months.
FYI, in my letters, I never ask for "deletion", I ask for "exclusion", something like this:
Several years ago I had a very difficult financial time and I had a few late payments on one of my accounts with your company. I paid this account off a few years ago and now we are really trying to push for the best interest rate for a new home purchase [or other reason here]. A small credit bump would get me over that new target rate. This account is scheduled to fall off in a few years but I was hoping I didn't have to wait until then to purchase.
I paid this account off, in full, to show my willingness to maintain a good relationship with your company. I know the Fair Credit Report Act requires the information being reported to be accurate. The FCRA, however, also dictates that is not mandatory to report any information at all and reporting is at the full discretion of the furnisher of information.
I know the account is being reported accurately and I'm not disputing that, instead, in the interest of customer service and goodwill, would it be possible to request an early exclusion and extend a one-time courtesy to remove this account early from my credit before the full 7 years have passed? [Or request for the late entries individually to be excluded]
This is in full compliance with the Federal Credit Reporting Act as reporting is solely at the discretion of creditors. Is that something you can help with?
