Hellomy name's Abel from South Texas. I have a young credit history of 2 years. I had my first credit card about a year and a half ago, but I had the first two payments delinquent and now have a 60 day delinquency. Since then I haven't had a payment late, plus I have two other credit cards and an installment loan. With this 60 day delinquency I have a 620 credit score but if it werent for that delinquency I would have at least a 700. Do you think if I beg the reporting agency to forgive me and delete this information now that I am more credit wise, will they help me? Thankyou.