NEGOTIATE WITH CREDITORS
So you were late or missed payments on a credit card for whatever reason. It’s a negative on your credit report. But it doesn’t have to stay there. You can NEGOTIATE with creditors.
HOW TO IMPROVE YOUR CREDIT SCORE? According to Forbes, ask creditors to “ERASE” the debt or account that went into collection. Write a letter offering to pay the remaining balance IF the creditor will report the account as “paid in full” or even remove it from your credit report. Remember to get the creditor to agree in “writing” before you pay in full.