Help with goodwill letter
Hi , I'm looking to fix my credit have two things that have my credit score low . One of them being my Discover account. I fell behind a few years ago due to a car accident I wasn't able to work so I fell behind on my credit card and card note and have two late payments for both . I was in a terrible position and I got back on track and it hasn't happened since. The only thing I have now is a high balance which I can get paid in full now. My questions are does anyone have any experience with getting late payments removed from their credit report ? Who all should I send the goodwill letter to for me to actually get a responds ? In the goodwill letter should I include supporting evidence like my hospital bills and photos or is that a bit much? What should I do ?