I've had a credit card with no annual fee since 2003 with a $0 balance for a year or two. I moved and forgot to inform the creditor. Then in 2009, the creditor instated an annual fee and claimed to have sent me four letters about it. Because of my mistake I didn't see letters and I didn't know to pay. My responsibility I know.
Now it appears as a 60 day (30 days on others) late payment of $100 on my credit reports.
A firm called "Lexinton Law" said they could possibly get this removed just by asking for verification, because the verification has to be timely.
Or I know I could do this by certified letter, but I'm disabled and it's hard for me to do these things.
Any truth to this? Is it worth trying with Lexington Law
or should I just live with my mistake and do the best I can with the rest of my credit?