I called Comenity to request a one-time courtesy late-removal from late last year. I was denied, but the rep I spoke with was very helpful and stopped short of telling me exactly how to get the courtesy removal. She said she has a list of acceptable reasons for which she is authorized to grant the removal, but she obviously couldn’t just give them to me. She also recommended that I put the request in writing. I do not plan on lying, but I do have a number of legitimate reasons for missing the payment… I just want to pick the right one. For example, temporary loss of income, unforseen medical expenses, etc. Appearantly plain old forgetfulness is not a good reason!
I’ve had a lot of luck cleaning up old collection junk (paid or disputed), but this one late payment is recent. Lesson learned!
Thanks in advance.