How to Rmove Negative Items Off Ur Credit Report?

in december 2004/5 i was late in a payment with Gap Card. It was only that month i continued paying my bills on time and the card is paid off but i just recently checked my credit report and i have this late payment as late 30 days and its affecting my credit.. Need Help! What is recommended? and if a letter, how do i write it???? Please Help is Appreciated.!

Thanks.

How to Rmove Negative Items Off Ur Credit Report?

What you may be able to do is contact GAP customer service and speak with a manager. Explain to them that you%26#039;re an excellent paying customer that had a mixup which created a late payment and was requesting to see if your account could be re-aged out of goodwill. Here%26#039;s a sample letter that I found, cut, paste, and modfiy

Dear Mr. Lerner:

I have been an MBNA customer since 1995 and during that time, I have enjoyed my experience with MBNA greatly. I am writing to see if you would be willing to make a 閳ユ笀oodwill閳?adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to 1998 and 1999. All but 1 of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by MBNA with ever increasing limits and lower APRs.

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that MBNA is willing to work with me on erasing these marks from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with MBNA. With today閳ユ獨 credit industry so competitive, I know how important it is to maintain good relationships with customers. MBNA has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why MBNA is heads above the rest. I look forward to your reply.

I posted the link to the sample letter. Hopefully that may work for you

Good luck!

How to Rmove Negative Items Off Ur Credit Report?

Great spelling, do you also have trouble walking upright?

How to Rmove Negative Items Off Ur Credit Report?

If you wern%26#039;t late you can dispute it; otherwise, it%26#039;s there for a reason. Cr bureau reports show good and bad; you can%26#039;t just have something taken off without a reason because it%26#039;s bad for you.

Sorry

How to Rmove Negative Items Off Ur Credit Report?

there%26#039;s nothing u can do about it -- it will stay on there for like 7 years (from the date it was late) and it will always show that u made that late payment. just because u paid the card off doesnt mean it just disappears from your credit rating. sorry, i know it sucks but it%26#039;s the way it is!

How to Rmove Negative Items Off Ur Credit Report?

You might be able to call Gap Credit and talk to someone. When my ex-husband and I purchased our first home, we had credit issues and were able to talk to past creditors to remove the negative rating. Nothing is written in stone so it%26#039;s worth a try.