Request Creditor Remove Late Payments
Date
Your Name
Your Address
City, State Zip
Company Name
Department Name
Address
City, State Zip
Department Name
Address
City, State Zip
Dear Name:
I have been an (company name) customer since 19XX and during that time, I have enjoyed my experience with (company name) greatly. I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. I have (two) late payments on the above referenced account that date back to 19XX. Since that time I have been an exceptional customer paying every month on time.
Because of my exceptional payment history over the last (X) years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was (in the process of changing jobs.) I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that company name is willing to work with me on erasing this mark from my credit reports.
I have been a very happy customer in the past and hope to continue a long relationship with (company name). With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. (Company name) has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why (company name) is heads above the rest. I look forward to your reply.
Sincerely,
Your name
