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Is there something I can do about this late mark?

Wizard10
Contributor

Is there something I can do about this late mark?

So in trying to clean up my credit as I’ve said here numerous of times, it’s going well btw. I have 2 late patents on my account one being from last nov a 30 day late from fingerhut who is unwilling to let me good will that away. 

 

The second is an old US bank card I had in 2013 which has 120 day late then a few on time payments before the account was closed. Is there anything I should do about this? Good will? Or leave it be?26A5646F-B8B2-4273-95D9-BCB0C44079D5.jpeg

 

Message 1 of 6
5 REPLIES 5
ImTheDevil
Community Leader
Super Contributor

Re: Is there something I can do about this late mark?

Goodwill is always an option. Try it and see, maybe they’ll grant it.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 2 of 6
Wizard10
Contributor

Re: Is there something I can do about this late mark?


@ImTheDevil wrote:
Goodwill is always an option. Try it and see, maybe they’ll grant it.

Try and goodwill the late marks correct? 

Message 3 of 6
ImTheDevil
Community Leader
Super Contributor

Re: Is there something I can do about this late mark?

Correct. You want to keep the account history for aging purposes, but if you can convince them to remove the late notations and replace them with “no data” it should help your scores.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 4 of 6
Wizard10
Contributor

Re: Is there something I can do about this late mark?


@ImTheDevil wrote:
Correct. You want to keep the account history for aging purposes, but if you can convince them to remove the late notations and replace them with “no data” it should help your scores.

Thanks I just found their emails. I start by emailing the first person and seeing what kind of traction I get. Thanks for your help 

Message 5 of 6
Wizard10
Contributor

Re: Is there something I can do about this late mark?

Got the ball rolling. Sent out an email and got a response asking for a bit more information to identify my account. I hope this ends well. 

Message 6 of 6
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