Hello, I have a 90 day late payment with First premier still on my credit report from 2010 and i was wondering if anybody can PM me a good email address where i can send them a good will letter and hopefully get it removed, i had 2 accounts with them and they both have been closed for a few years now and i know the late payments are killing my credit score. any help will be appriciated. Thanks
Starting Score: Equifax 582 Experian 610 Transunion 620anybody, please help