No goodwill deletion even for excellent customers.

A credit card company will not issue a letter of deletion unless a
good reason is given. For example, the customer moved and did not
receive the bill (if paid by paper); changed banks and auto withdrawal
was messed up by the bank; a house fire (not kidding). A request does
not do it no matter how consistently a a customer paid on time. But,
as the other posters mentioned this should not be dinging your credit
score at this point, the error was too long ago. Part of what
influences the credit score is how late the payment was. A 30 day
late payment is less damaging than a 90 late payment. A 90 late will
continue to damage your credit score more than a 30 or 60 day late.
You can request a letter of deletion which you did and it was denied.
Do not go into dispute over this; just a piece of advise. Take the
hit. Good luck; it happens to the best of us.

This one 30-day late 3 years ago isn't harming your credit score. Yes
things do happen.

Of course the other 82 on time payments count. That's why you only
have one late payment noted on your account instead of 83.

If you believe that accurate information is "bologne", that might
explain the late payment.

A couple of things that most of you are missing are:

In order for a thirty day late payment to show up on a credit report,
two consecutive payment due dates must be missed. Credit card issuers
have a legal and moral obligation to report payment histories
accurately. Although a creditor might be able to waive a penalty fee,
asking for a "good will deletion" (of an R30) when two consecutive
payment due dates were missed is asking for too much.

And what is a "good customer?" From a credit card issuer's
perspective, this relates to being profitable. A credit card issuer
would probably see you as a risky customer since you had been thirty
days late. Accounts that wind up six months past due always start out
being thirty days late.

Yes, banks DO actually give preference to people that are good
customers. As soon as you missed your payment, you should have called
the bank, made the payment, and profusely apologized. Then they would
have possibly given you a one-time pass on the late payment mark.
Everyone screws up from time to time, and most banks realize this, IF
you deal with it in a timely manner.

If it occurred in 2007, and its deleted after three years, shouldn't
it already have been deleted by now?

I believe the OP is saying it will be deleted IN three years, not
after three years, meaning after a total of seven years.

If everyone who asked for a "goodwill" deletion actually got one then
there would be no point in having a credit history report.


Everyone would just invent the credit history they think they should
have and give themselves outstanding scores... regardless of whether
or not it reflects their true ability to pay.

"they immediately came back with a 'no' answer and some bologne about
the integrity of credit history!!! So I guess the other 82 before on
on time payments don't count!!!"

Um...you're supposed to pay on time, like everyone else. Why should
you get special treatment?

Then wait the three years!

Whoever told you that you deserved to have your mistakes expunged for
you? You messed up, you admit you messed up, now be a grown-up and
take your lumps.

Sheesh!

Unless the report was done in error, they are not permitted to remove
it under the terms of agreement with the credit reporting agencies.
You are basically asking them to lie to other credit grantors about
your payment history. If the one late payment shouldn't count, it
should be the decision of someone else reviewing the report before
they give you more credit, on whether it should count or not.

"some bolgne about the intergrity of credit history" is EXACTLY why I
don't think there should be such a thing as a "goodwill deletion".
You made the late payment. Your report accuratly reflects that.
Seems fair and right to me.

You can be sure other financial institutions will be looking at your
credit report. Just something to consider over the next three years.

I think the definition of "excellent customer" means someone who's
never had a late payment.

If you play with the snakes, you are going to get bitten


good day

Sara M.,

Like it or not these reports have to reflect what occurred and state
it factually.

BillR.