I have a number of late payments on my report. One for a macy's credit card and another for my bank of america. How do I ge them off! They were late because I was just out of college and did not have a job. I have since paid them down and have been making regular on-time payments but they are literally killing. I have a total of 15 late payments. 10 for Macy's and the other 5 for bank of america.
I was thinking I would send a goodwill letter for the late payments that occur in 2005 and 2006 (July 2005, June 2006, September 2006 & Oct 2006)
Any advice?? I cannot wait 7 years for them to fall off. I now have a great job and want to buy a condo but my credit score is 545 and is kicking my butt! Thanks for your help. If you recommend writing a goodwill letter, please please please provide a sample one and what I should say.
Also, should I just lie about my situation and say I got into some horrible crash or family issue?
Thanks again!
2007-08-01
06:24:16
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6 answers
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asked by
Anonymous
in
Business & Finance
➔ Credit