I accidentally had to miss my credit card payment because of a returned check. I had been regular all throughout. Can I ask the CC company to remove the negative mark from my credit report?

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You can evidently, ask for the goodwill. The rest completely depends on the credit card company though. There’s no legal obligation that they have to do it.

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How long has it been since you missed the payment? If it’s only within 30 days, you’re delinquent with the creditor. Pay it, and it doesn’t get reported at all. If it has crossed another 30 days, then only it gets reported to the Credit Reporting Agencies (CRA). In that case, you can request them for the removal of negative mark with a goodwill letter.


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