Continentalfinance Arvostelua 

Dear Continental Finance Customer Service,

I am writing to respectfully request a goodwill adjustment regarding a late payment that was reported to the credit bureaus on my account.

I was completely unaware that my automatic payment had been canceled and had no knowledge that my account had become past due. I had relied on the automatic payment arrangement and believed my payments were continuing to be made as scheduled. At no point did I intentionally miss a payment or ignore my obligation to pay the account.

Had I known that the automatic payment was no longer active or that my account was becoming delinquent, I would have immediately taken action to correct the issue. Unfortunately, I did not receive any notification that the automatic payments had stopped or that my account was falling behind, and I only became aware of the situation after the late payment had already been reported.

As soon as I learned of the issue, I took responsibility and addressed the account. I understand that it is ultimately my responsibility to monitor my account, and I sincerely regret that this oversight occurred. This was an isolated incident and does not reflect my intent or my commitment to meeting my financial obligations.

Given these circumstances, I respectfully ask that Continental Finance consider removing the late payment reporting from my credit history as a one-time gesture of goodwill. The negative reporting has had a significant impact on my credit, and I would be extremely grateful for any assistance you can provide.

Thank you for your time, understanding, and consideration. I appreciate the opportunity to have my request reviewed and look forward to your response.

Sincerely,

Nicholas Elliott

I am trying to reestablish my credit. In doing so I opened a new credit card. Those available are limited and usually have an annual fee. I chose Continental because it had a low annual fee. also it was on the credit karma list. after paying the fee for the year I only used the card maybe once or twice and paid it off within the month, I was notified that now plus the annual fee another fee will be imposed. this plus the monthly doubled the annual amount. But if I close, it looks like I have decreased credit which will lower my score. This is bait and switch, I will contact my state and see if they can do anything.