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swissmtndog398 t1_je59ju4 wrote

Write them a goodwill letter (examples online) asking to remove the late reports from your credit. Cite whatever reasons you need, but the more sympathetic you are the better. As long as you have a previous good payment record, they should help.

Just as a heads up. This worked once and it was worth capital one. When she missed subsequent payments later, they refused.

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