Re-Aging Request Letter — Update Delinquent Accounts After Consistent On-Time Payments
Rebuild Your Credit History and Strengthen Your Middle Credit Score®.
If you’ve experienced financial hardship in the past but have since made consistent on-time payments, a Re-Aging Request Letter can help you request a fresh start with your creditor.
Re-aging allows a creditor to update a delinquent account’s status to current, stopping the cycle of repeated negative reporting and helping you rebuild your payment history more effectively.
At Middle Credit Score®, we help consumers take charge of their credit recovery process with free, compliant letter templates and step-by-step education.
This template—and more than 30 others—are available in our Credit Dispute Letters Support Center, giving you the power to communicate directly and responsibly with your creditors under Federal Financial Institutions Examination Council (FFIEC) guidance.
🔍 When to Use a Re-Aging Request Letter
Send this letter when:
- You’ve brought a previously delinquent account current through consistent payments.
- The creditor has not yet updated your account status after months of timely payments.
- You want to restore your good standing and demonstrate financial recovery.
- You’re working to rebuild your credit history and raise your Middle Credit Score®.
Creditors can grant re-aging as a courtesy, especially when you’ve shown steady responsibility and open communication.
💡 Why This Letter Matters
Re-aging does not erase your account history, but it can significantly improve how lenders view your current financial behavior.
By sending a Re-Aging Request Letter, you:
- Ask your creditor to adjust the delinquency status to “current.”
- Stop ongoing late-payment reports for an already-corrected account.
- Show lenders you’ve maintained consistent payments and recovered financially.
- Strengthen your Middle Credit Score® by improving your payment history ratio.
This is a goodwill-based request—it’s most effective when you’ve proven reliability for at least three to six consecutive months.
🧭 Step-By-Step: How to Send
- Review your account to ensure it is current and all recent payments are on time.
- Complete the Re-Aging Request Letter with your account details and the reason for your request.
- Attach supporting evidence such as payment confirmations or bank statements.
- Send your letter to the creditor’s customer service or credit reporting department by certified mail.
- Keep copies of all documents and monitor your next credit report to verify updates.
If approved, the creditor will report your account as current and remove the ongoing negative delinquency status.
🔗 Additional Credit Rebuilding Resources
Explore our complete
➡️ Credit Dispute Letters Library
for additional templates and examples, including goodwill and settlement requests.
Learn how to rebuild and maintain your Middle Credit Score® through proven financial strategies in the
➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Re-Aging Request Letter is one of the most valuable goodwill tools available for rebuilding credit after hardship.
By showing consistency and accountability, you demonstrate true progress—and open the door to higher scores, better terms, and greater financial opportunities with your Middle Credit Score®.
Re-Aging Request Letter: Requests that a creditor re-age an account after consistent payment history (helps rebuild credit).
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Creditor or Lender Name]
[Address]
Re: Request to Re-Age Account [Account Number]
Dear [Creditor Representative],
I have been working diligently to restore my credit and maintain consistent payment history with [Creditor Name]. Since [date], I have made all payments on time for the account listed above, demonstrating renewed responsibility and stability.
In accordance with guidance from the Office of the Comptroller of the Currency (OCC Bulletin 2000-20) and as permitted by your internal policies, I am respectfully requesting that this account be **re-aged** to reflect its current positive standing.
Re-aging this account will better represent my commitment to maintaining good credit and provide an accurate reflection of my current payment performance. I value my relationship with your company and appreciate your consideration of this request as I continue improving my Middle Credit Score®.
Please confirm in writing if this adjustment can be made. I appreciate your time and partnership in helping me reach financial stability.
Sincerely,
[Your Signature]
[Your Printed Name]
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each creditor may have its own policies, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
