It may seem like a long shot, but I’ve always believed in the rule that if you don’t ask, you’ll never receive. Sending a letter won’t cost you a lot of money and you may just get someone on a good day where they are willing to help you out. So how do you approach a creditor and ask them to remove a debt that is being reported accurately?

Dear CEO name,

I am writing you to discuss my credit card account #xxx which was established x years ago. I am writing to ask you to consider removing this account from my credit report. I understand this is an unusual request, but the Fair Credit Reporting Act does now say you must report all credit accounts to the credit bureaus.

When I established the account I was financially secure, and I certainly understand that it was my responsibility to stay current on payments. Unfortunately I made several financial mistakes and fell behind. When I was able to, I paid off the debt in full on xxxx. I am hoping that after you review my circumstances and the fact that I have paid off the debt, you would be willing to remove the negative remarks with the three credit bureaus.

I an not saying the information is inaccurate, I am simply asking you to use your discretion to remove the account from my credit report in an act of goodwill. I appreciate your consideration in this matter.

Sincerely,
Your Name