Can I resolve negative reports on my credit resulting from an auto accident?

Question

I was critically injured in an auto accident at the end of July of last year and was hospitalized for three months. As a result, I wasn't capable of managing my finances and was dependent on my family for doing so. During that time I recieved a 30 day and a 90 day past due notice on my credit for two separate credit card accounts. How can I get this resolved?!? The credit reports are accurate but because of exceptional circumstances my credit has been severly negatively impacted. Thanks in advance for your assistance!

Answer 1

I'm sorry you went through such a bad time and hope you have fully recovered.

You might send goodwill letters to your creditors. Explain the circumstances that led you to being late and ask them if they will work with you on removing the lates from your reports.

If those were the first and last times you were ever late, they may work with you.

Instead of sending the letter and hoping that whoever reads it will deal with you, you might Google the creditors and find names of people higher up the ladder to send the letters to.