<prompt> Human: Hey PF, my first post so hopefully I put everything you need:Im a military veteran. Early last year 2017 my girlfriends computer crapped out. She really needed a replacement but we couldnt afford one outright. At the time, I still had on-base privileges and so we went to the nearest military base and went to the Exchange and I applied for the Military Star Card. I was approved and we bought her computer. We had been making payments all of last year and up until this month, pretty much all on time with a couple that were late by a week or so. But this summer was pretty rough on us financially and Ill be honest, I wasnt making payments. I missed two outright for May and June. But last month July in order to consolidate our debt, we took out a loan with San Diego County Credit Union. We put my car up as collateral. They wrote out specific checks for each debt that we wanted to pay off My CC, her CC and the Military CC. This is where it gets murky. The payment for the Military card was due on the 16th of every month. This was early July that we went to the Credit Union. I cant recall the exact date but want to say it was the first week of July. Because it was a check, it had to be mailed. After getting the check probably around the 9th or 10th, I mailed it first class to slightly expedite it because it was getting close to the due date. I have no idea of when the check arrived. Further, I have no idea how long it takes them to process paper checks. But long story short, the check was not applied to my account and it went into a third month of non payment. As far as I know, it is Military Star Card policy to report serious delinquency to the credit bureaus after 3 months of non payment. Now when I checked my credit score, it was dinged by a solid 80 points from what it was previously. From the research Ive done admittedly only about a half hour or so I can request that the Creditor remove the serious delinquent mark. I personally believe my case to be a good reason. I did a debt consolidation to help me so instead of having to make several payments a month all due at different times, I can make just one payment and its not like I let it go to collections. I would not have gone into three months of non payment if it werent for the fact I had to snail mail the check. I honestly believe that the military card company had my check in their possession by the due date but that red tape processing screwed me over. Its the government and I can easily see them taking 2 or 3 days to process something like a check.Im here to ask how I should go about requesting that they remove the delinquent mark given my circumstances. Should I mail them directly with something like a cover letter and just explain the situation and request they remove the delinquent mark? Also, what are the chances, in your best guesses that this is doable?Thanks for any answers.  <response>: I can answer your 2nd question: Unlikely. I read your entire story and overall it was a late payment. Regardless of good faith or mix ups, it was your third strike on that line of credit.The fact that there have been other missed parents also doesnt help your case this isnt a unique event. With that said, just look to the future. I had a bad hit on my credit back in the day. That was over 10 years ago now and my credit is squeaky clean. Best of luck 