<prompt> Human: If you are very regular in your payments andor pay in full every month and you have an off month, just call your CC company and ask nicely to have it removed. It has worked for me on a few occasions with different CC companies. It is an easy way to save 25 or so in less than 5 minutes. To emphasize again, this will probably only work if you normally pay on time every month andor pay in full every month.  <response>: Credit union called me to remind me that my car payment due date was a few days away and that they hadnt received my payment yet. I usually paid it ten days early. Really nice service. A few months later I missed their call reminding me again. So it came and went. A few weeks later I find the check I wrote on my computer desk, head to the credit union and hand it over. They say theres a late fee, but the boss man walks out of his office and says to waive it. Then he asked me if I just want to set up automatic payments. So did that and everything has been swell since. I asked him if it was reported late to the credit agencies. He said hed stop by a customers house before he reported late payments to the credit agencies. 