No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have a 30 day late payment reported on my credit report from last month on a credit card.
I brought the account current.
I'm looking through the MyFico Forums for a step by step process and sample of what letters to send creditors and the credit bureaus, but can't seem to find that information.
Thank you.
This thread has good information on the goodwill process, which is what you'd need to look into.
Have you talked with them to see if they'd be able to help if this was your first late payment or any extenuating circumstances ? If you share which creditor it is others may have contacts or helpful info specific to them.