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2. Can a goodwill letter get late payments removed from your ...

   www.aol.com/finance/goodwill-letters-payments...

   A goodwill letter is a formal letter sent to a creditor, lender or collection agency to request forgiveness for a late payment or other negative item on your credit report. In the letter, you ...

3. How to clean up credit reports - AOL

   www.aol.com/finance/clean-credit-reports...

   Write a goodwill letter: Ask the creditor to remove a negative mark as a one-time courtesy. Credit report clean-up services You don’t need to clean up your credit report on your own.

4. Charge-off - Wikipedia

   en.wikipedia.org/wiki/Charge-off

   A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt.

5. Demand letter - Wikipedia

   en.wikipedia.org/wiki/Demand_letter

   A demand letter, letter of demand, [1] (of payment), or letter before claim, [2] is a letter stating a legal claim (usually drafted by a lawyer) which makes a demand for restitution or performance of some obligation, owing to the recipients' alleged breach of contract, or for a legal wrong.

6. Missing mortgage payments: How many can I miss before ...

   www.aol.com/finance/missing-mortgage-payments...

   Missed payment: You miss your mortgage payment and the 15-day grace period passes. You incur late fees and might receive a call or letter from your lender about the missed payment.

7. Credit card debt - Wikipedia

   en.wikipedia.org/wiki/Credit_card_debt

   Infographic about credit card debt in the US (2010) Consumer and government debt as a % of GDP (United States) Consumer and government debt in the United States Credit card debt results when a client of a credit card company purchases an item or service through the card system.