I have marks on all my CRs from three different credit card accounts, two active with one 30-day late each, and the other a closed Crapital One account with 3 30-day and one 60-day late. Card A: 30 days late as of 1-05 Spoke with representative that said they could forgive it, since I had never missed a payment beforehand Card B: 30 days late as of 5-05 Crapital One: 30 days late as of 9-00, 12-00, and 3-01 60 days late as of 4-01 I have a letter ready for Card A, but then I thought twice about sending it when I saw the Mistakes section in the FAQ. I haven't figured out what to do with the other two. How would you approach the dispute process in order to most effectively remove the derogatory information? Note also that the Crapital One account is really only TWO 30-day lates; the third 30-day leads directly into the 60-day.
If Card A is willing to remove the late as a courtesy, follow their lead. Find out from whom you request it. If they say send a letter, send a polite goodwill request.
