Ok - so here is my letter I sent. Please let me know what you guys and gals think. I sure it could be alot better.
Dear Sir/Ma’am:
I have been a USAA customer since the 1999 when I was added as minor driver under my father’s auto policy. I was so pleased with the service I received that when I became eligible for my own policy at the age of 18 in 2001 I choose USAA and have remained a loyal customer to date. Additionally, around that time, I was also offered an opportunity to obtain a college student MasterCard. I was however not the ideal customer and made mistakes with my handling of the account.
Currently, I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I am asking whether USAA Bank would remove the adverse late payment from the account in reporting to all three credit bureaus. I understand this is a rather unusual request--particularly as my account fell behind upwards of 120 days. The late payments were due to my lack of understanding the importance of proper financial management and my immaturity. I don’t say this to justify why the payments were late, but rather to show that this is not a good indicator of my credit worthiness. It is my sincere hope that USAA is willing to work with me on erasing this mark from my credit reports.
Thankfully, responsible credit management has became an extremely role in my life. I wish to thank you for the opportunity you gave me to be a customer of your company and I would love to establish a strong new relationship with USAA Bank in the future.
In closing, I thank you in advance for your consideration and look forward to hearing from you on this matter.
Very Sincerely,
Edited to remove name
