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Something that also needs to be kept in mind is that the non-payment COULD impact the ability to rent again through Hertz (or whoever the rental was through).  For some, this is not a big deal.  For others, however, this would be a very significant consideration. 

Ok. Got it. I’ll work on opting out and addresses and then see where the current letters take me. Here’s the template that I used if that helps at all:   SampleCreditInvestigationDisputeLetter.docx Date Your Name Address Credit Bureau Bureau Address To Whom it May Concern, I've just reviewed my credit report and have noticed there are several items on my report that I am requesting that you investigate per my legal rights under the FCRA – Fair Credit Reporting Act: Chase VISA Acct: xxxxxxxxxxxxxxxxx: This account is listed as being 30 days late. Please verify that this account was indeed late as you report or I demand that you delete all late payments from the account and/or delete the account from my report.   (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc.  Change the aspects that you investigate with each subsequent letter that you send). Sears Acct: xxxxxxxxxxxxxxxxx: Please verify account number is as you report or I demand that you delete all late payments from the account and/or delete the account from my report.   (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc.  Change the aspects that you investigate with each subsequent letter that you send). Universal Acct: xxxxxxxxxxxxxxxxx: This account is listed as being 30 days late. Please verify that this account was indeed or I demand that you delete all late payments from the account and/or delete the account from my report.   (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc.  Change the aspects that you investigate with each subsequent letter that you send). In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed: (ONLY do this obviously with old NEGATIVE accounts) Diner's Club Acct: xxxxxxxxxxxxxxxxx: GE Consumer Card Acct: xxxxxxxxxxxxxxxxx: Macy's Acct: xxxxxxxxxxxxxxxxx: I have enclosed a copy of my driver's license, social security card and utility bill as proof of identity, social security number and residence. Sincerely, Your FULL Name Social Security Number Date of Birth

If he was too stupid to avoid paying interest, then AXP knows they have an ongoing source of revenue.  Hence no incentive to give much of a reduction. 

For there to have been an alert, it would appear that you had allowed a balance to report.  Easiest way to resolve this issue in the future is to not permit a balance to report.  Being close to (or over) the limit is never good for scoring.    And, if it was simply that a statement cut and the high balance during the cycle was over the limit but the statement balance itself did not report in an overlimit situation, then this is a nothing-burger.  But maxed out cards can EASILY cost you the 30 points discussed...

Thank you