An approach towards erasing previous old late pays by appealing to the credit card company based good recent paying history.

Dear Credit Card Company:

I have been an MBNA customer since 1995 and during that time, I have enjoyed my experience with MBNA greatly. I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to 1998 and 1999. All but 1 of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by MBNA with ever increasing limits and lower APRs.

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that MBNA is willing to work with me on erasing these marks from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with MBNA. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. MBNA has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why MBNA is heads above the rest. I look forward to your reply.

Your Name

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