TravelAfterWork(TAW Group) 在之前的文章给大家提及了信用以及信用分数的重要性在美国，以及如何能快速的积攒分数。但是能破坏我们信用分数的最大黑手是什么呢？那就是忘记还款。英文 term 叫做 delinquency。
After you miss your second payment, you are 30 days delinquent and so on. Technically, a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed.
- Due Day过后的30天之内，银行是不会报告给各大信用机构（Credit Bureau）的，基于银行和用户的相互谅解，及所谓的Courtesy。这期间，银行会收取Late Fee 和 Interest。但是大家注意，在这期间，你如果及时把欠款付清，那不妨立马给银行的Customer Service打电话，想好理由，例如这段时间自己工作太忙，旅行太多，大家自行脑补各种理由哈。银行一般都会把Late Fee 和Interest 给你Waive掉。在美国生活，这些基本的Argue技巧还是要掌握的。
- Due Day 过后的 30-60天，这时候会根据各个银行开始有不同。有些银行不会report给信用机构，但是有些会，例如FIA，据我所知，过了30天之后就会report给信用机构。
- Due Day 过后的60天，这时候，事情getting pretty serious，因为银行首先关掉你的信用卡，然后report各大信用机构。而且一旦这个Delinquency被信用机构定性，那么将会carry on 7年在你的信用报告上面。首先，你的信用分数会大幅下降，保守估计60-100分之间都有可能，直接后果就是你可能以后租房会有问题，因为有好多房主需要你的信用报告，长远一些有可能会影响到你买房买车。最严重的是可能，非常非常小的可能性，除非是特殊职位，雇主会觉得你的background check fail掉，但是这个基本不可能。
1.电话银行客服，一般普通的客服，给出答案是“我们都是按照规定，提交到了Bureau，就不能更改”。但是不要放弃，要求和manager直接对话，这时候一定要哭爹喊娘，细说自己的各种情况，跪求 manager做Investigation。比如，我一共7张信用卡，每张信用卡我都一直按时还款，没有任何不良记录，我还有车贷，我有全职工作，完全有能力偿还payment，下次一定改正，并且设置成autopay，再比如，我这段时间由于工作在全美和世界各地travel，很多时候网络，让我错过和忘记了还款。记得态度一定要真诚，不能修饰的部分是我们有多少信用卡，因为这个可以从信用报告看到，但是可以修饰的是，你的工作繁忙程度，manager可以问你，但是他们是不会也不能让你出示。其实你说什么不重要，你的理由只是让manager可以帮咱们开始做Investigation。他们会查看你的信用记录，来综合考虑，如果之前没有任何不良记录，是一定会通过的。具体流程就是银行和Credit Bureau联系取消这个Delinquency，然后要等大概4个星期的时间，Credit Bureau会完成update，这时候再去Credit Karma上查看信用分数，应该已经涨回来了。
2.除此之外有些银行会要求用户提交一个书面的解释他们才能开始做Investigation，这里面给大家贴一个我之前用过的Goodwill Letter, 希望对大家有用。
To Fidelity Investment Bank
Re: Account Number: XXXXXXXXXXX
Dear Credit Card Company,
I am writing to you today regarding my account #XXXXXX. The purpose of my correspondence is to see if you would be willing to make a “goodwill” adjustment on the reporting of this account to the three credit agencies. I would like to explain the situation and ask for your courtesy of removing delinquency from three major credit bureau files (Experian, TransUnion, & Equifax). I sincerely hope your credit department can investigate my case and give me a chance to fix this and rebuild my relationship with FIA. I am willing to do everything that I can do to remedy this.
I understand that paying the bill on time was my responsibility. I am not attempting to justify this breach of our user agreement, I sincerely hope you might review the circumstance under which this non-payment occurred and consider removing the negative trade line associated with this account. As soon as I found there is a balance pass due, I immediately contact your consumer service and paid the balance in full. Please give me a chance to explain the circumstance.
First, I was very busy and traveling very frequently for business and personal affairs. I forgot to bring FIA with me. I thought there was no balance on this card (36.82 dollar balance). I know this is definitely not an excuse. I am just willing to let you know this post due is rare to me. Here are the details of my travel. I certainly can submit my evidence if you would like to check.
12/17/2014 – 12/25/2014 Puerto Rico, Vocation
12/26/2105- 01/02/2015 Las Vegas – Death Valley, Vocation
01/04/2015 – 01/15/2015 Tennessee, Knoxville, Business
01/17/2015- 01/23/2015 From New Jersey to King of Prussia, PA, Business
02/12/2015-02/15/2015 Washington, DC, Personal Affairs
02/25/2015-02/29/2015 Jersey Shore, PA, Business
03/05/2015-03/08/2015 Philadelphia, PA, Business and Personal Affairs
Second, I hold this FIA Amex credit since 2011. I have been a very loyal member of FIA more than 4 years. I also hold the debit card from FIA investments too. I keep good relationship with FIA and I did enjoy the benefits along with FIA investment rewards card. I really appreciate FIA issued my second credit card. In order to avoid this again, I will set up auto payment as well as notice warning on my calendar.
Third, I have an excellent credit history. My current FICO score is 730. Please do me a favor to check out my full credit report. I have more than 10 credit cards from nearly all the major banks. I also have one car mortgage from Toyota. I keep all of them in good track, low balance, and pay them on time.
Forth, I am working as a fulltime since last June. The annual salary is around 60,000 dollars. I do not have financial crisis. I am willing to submit my W2 to your office for check. I know this is definitely not an excuse neither, I am simply hoping you can understand that I have the ability to pay my credit card and I did not delay this payment on purpose.
I have been to USA for almost 5 years. I understand how important to keep good credit for my current and future life. Please give me a chance to remedy this one-time mistake. I am willing to make the commitment to rebuilding trust with your FIA. I sincerely appreciate all your time and effort.
Please let me know if there is anything else I can provide to affect to your decision and please also to contact me by phone or email if need be. Thank you.