bad credit from $9!!!!! please help.?

SOOO back when I was 5 months preg. I had this credit card that I used ONCE at Sonic for about $9.00 lol please remember I was pregnant and I dont usually spend that much at Sonic all of the time haha..well, long story short I lost/forgot about the card and I had moved out of my parents house and they always throw away my mail just supposing that it is junk mail until about 11 months after they finally opened a statement with the charges, thankfully there wasnt any intrest applied to it so I went and paid off the 9 and some change but its been about a year since I paid it off and this had prevented me from getting a credit card for Macy's. What should I state in the letter to the agency that it was reported to so that I could get this off of my credit?? please help

5 months ago - 1 answers