Page 12 - What Momma Didn't Teach Us - Credit Edition

7. Courtesy removal

Have you ever forgotten to pay a bill and once you paid it, the

bill was already 30 days? If yes, don’t feel bad, many of us have.

However here’s a little secret. Many banks and creditors will

do a courtesy removal if you ask.

Here’s what you should do, call the company, speak with a

representative, explain, life happened, you fell behind as a

mere oversight and now you're looking to make some moves

however this late is adversely affecting your credit report and

will they remove it? Some companies will say “Yes” right away,

others will say, “No.” Don’t be afraid to ask for a manager. The

first representative you speak with is trained and likely to say
no, take it a step further until you get someone on the phone

who has the ability to say yes. You’d be surprised at the help
you may receive if you're not easily discouraged after hearing

no. Yes, you heard me correct, some companies will remove
the late payments from your credit report if the activity is not

common. If you have to take it a step further, ask to speak with

their credit reporting team.

This is generally where the magic happens. Explain, life

happened and this removal will help tremendously. In some

cases they may request a mailed or faxed letter, and some

cases the removal can happen by phone. Here’s a sample

below of how the letter should appear.

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