luv2laugh Posted September 15, 2011 Report Share Posted September 15, 2011 Hi there,This is a pretty basic question, but I am at a pretty novice level.I have been requesting verification and getting deletions on my credit reports, but I just came to one where the card is still open.It has one 30 day late payment, I remember it clearly. I had trouble contacting the company to pay as I wasn't receiving anything in the mail. When they got a hold of me on the phone, I said PLEASE LET ME PAY! It was a very small amount like $20. Something so stupid to mess up your credit. Anyways.... Obviously I can not have them verify my name, if it is still open. Would I go straight to the Creditor and ask them to take off the 30 day late mark. This doesn't go off my report until 2017. Any help would be appreciated. I have read through a bunch of articles and forum questions and am just soaking up information. Thank you so much! Link to comment Share on other sites More sharing options...
bbgughj Posted September 16, 2011 Report Share Posted September 16, 2011 A goodwill letter ! Link to comment Share on other sites More sharing options...
jcgsolutions Posted September 16, 2011 Report Share Posted September 16, 2011 You could request a Good Will Intervention from your creditor. What do you mean that you can not have them verify your name? Link to comment Share on other sites More sharing options...
luv2laugh Posted September 16, 2011 Author Report Share Posted September 16, 2011 A goodwill letter it is. Thanks guys! Link to comment Share on other sites More sharing options...
inochi Posted September 22, 2011 Report Share Posted September 22, 2011 Will this work on a closed account as well? Link to comment Share on other sites More sharing options...
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