Late payments, closed account

QuestionsLate payments, closed account
asked 2 years ago

Hello everyone,

I’ve been trying to improve my credit for at least 1 year now without much success. I have missed 3 payments for my capital one credit card and 2 payments for my BofA credit card.

I’ve been reading on this forum that it’s possible that capital one will remove those negative marks but unfortunately I can’t find the email or address I need to send goodwill letter to. Please PM me if you know it, it would be a huge help.

Also I’ve never heard from anyone that BofA removes those kind of remarks, is it possible?

My Citibank credit card was closed since I missed the payment for more than 90 days and unfortunately, I settled the payment for less than required amount and it reflects on my credit. Is there anything I can do about it?

All this was back in 2015 and since then I’ve been making regular payments, in fact capital one increased my credit limit without even asking.

I also have a student loan of $ 33000, will reducing my balance by 20000 in next 1 year, help my credit?

I understand many people suggest being a authorized user of someone else’s credit card, but unfortunately I don’t know anyone. Even if I ask someone, it will be for temporary basis, if they remove me after couple of months, will it affect my credit? Or will those positive remarks still be there?

Please help me, I never knew credit was so important.

Really appreciate your help,
God bless

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