Should I dispute it even though I know I paid it late? I agree that it was paid late, but they verbally agreed that it would be ok to pay it as I did because of the situation. They reported it as late even though we had an agreement. Would a goodwill letter like described in the "Basic Step by Step Beginner's Guide to Credit Repair" work?
"For any late payments that you want to remove on an otherwise good standing account, you will want to send out a Goodwill letter. This is just basically a letter in which you explain your situation as to why you were late (hopefully a GOOD reason) and beg forgiveness.........promising that you are back on your feet and will not let it happen again. These can and do work. Some people have even had to send more than one to finally find a sympathetic ear. Some have even had to send the letter to an upper management person (CEO, Pres, etc). Be persistent."
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