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If you miss a payment: Goodwill Adjustments


A single late, or overlooked payment can affect your credit score for years. A goodwill adjustment is a gesture from a creditor to re-age an account and report certain late payments as having been made on time. It is entirely up to the creditor - so you need to ask nicely :))

Call and ask, and regardless of the reply mail a letter also. Here is a sample letter you can use. 

PS
If you do not get a favorable reply when you call in, just call back! Sometimes it depends on whom you speak with ;)