Good Will Request
What can you do if you have a blemish on an account?
Write a Good Will Request
Anyone can make a mistake. Let’s say you have a credit card that you have had for a few years and there is only one late payment in its entire history.
In this case you can write a goodwill letter to the credit card company. In the letter you can explain that you really like having their card, but you did make a mistake and have ensured that all other payments have been on time.
Ask them to forgive the late payment. You could even offer to sign up for their auto payment feature if you think they need further convincing to forgive the late payment. You will likely be successful in getting it removed.