Comenity - Late Payment Removal?

[krisssmmm]

I think I just asked for late payments to be removed off my credit report. 

[krisssmmm]

Ignore the typos. I didn't include a letter, I just asked. They asked for verifying info, a few questions, then asked for my number. I was told they only do 2 max. Good luck. 

[8isnuf]

I do not want to discourage anyone.  I had one 30 day late payment and sent a goodwill letter. I recieved a response saying "no". I saw this thread and thought what's the harm.  I just sent a direct message on Twitter and got an immediate reply with an attached letter instructing me on the process. Perhaps, I got an unwilling rep answering the Twitter messages today.  I will keep trying whatever I can to get it resolved.  

[krisssmmm]

Oh no. I'm sorry it didn't work for you. I know social media was working last year. 

[Kkasmarcik08]

I just had luck with this. I am trying to get a mortgage and it was the only bad thing on my report, they advised me to put in the letter that I'm trying to get a mortgage and it worked!

[8isnuf]

@Kkasmarcik08 Thanks for the information.  No success yet but I will continue asking until my goal is accomplished. I appreciate additional  information and all updates. 

[Rayyman]

Following up on somewhat of an old thread.

Wanted to see if you had success with this yet? I am currently cleaning up my credit and the main thing holding me back is a few missed payments from 2022. Hoping to get most if not all of them removed and would love some feedback/guidance on how to

[FireMedic1]

Welcome @Rayyman 

The 2 posters above havent been here since 06/22. The one that had success was his only post. All you can do is write GW letters.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-... 

Hint: Click on the username and it shows the join/post date.

[8isnuf]

I agree that the suggested method is a great approach generally.  I did not post more about my situation because I was never able to get the one 30 day payment removed; however, I do not want to discourage anyone from trying something which might.   I learned in sales years ago, 

"every 'no' means you're one step closer to 'yes'". 

[gloverkevin]

Use this:

[Your name] 

[Your address] 

Account Number: [Your account number]

[date]

[Creditor name] 

[Creditor address] 

To Whom It May Concern:

Thank you for taking the time to read this letter. I recently ordered a new credit report and noticed it contains [a late payment/payments] reported on [date/dates] for my [Creditor name] account.

I want you to know that I understand my financial obligations, and if it weren’t for [circumstance that caused you to miss a payment], I’d have an excellent repayment record. I made a mistake in falling behind, but [description of how your circumstances have changed or how you’ve improved your money management]. Since then, I’ve had a spotless record of on-time payments.

I’m planning to apply for [a mortgage/auto loan/etc.], and it’s come to my attention that the [missed payment] on my credit report could hurt my ability to qualify. I truly believe [these missed payments] don’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the [late payment/payments] on [date/dates].

Thank you for your consideration, and I hope you will approve my request.

Sincerely, 

[Your name]