If you have some negative marks on your credit card report, you’ll need to ask nicely creditors to remove them. To do so, you should write a compelling credit card goodwill letter.
{Your name/address/account number}
{date}
To Whom It May Concern
Thank you for your time. I’m reaching out because I’ve noticed that my credit report contains a late payment. This payment is reported on my {account numer} on the {date}.
I want to clarify that I’m aware of my financial commitments, and if it weren’t for { describe the event that prevented you from making a payment on time}, I would have a stellar repayment history.
However, I managed to get my finances in order, and since then, my track record of making payments on time has been flawless.
Since I know that missed payment can make it harder for me to apply for a mortgage or a loan, I would like to ask for a goodwill adjustment. You removing the late payment from my credit record would be greatly appreciated.
Sincerely, {Your name}
Capital One Goodwill Letter
Creditor Goodwill Letter
Credit Report Goodwill Letter
Goodwill Credit Adjustment Letter
Goodwill Deletion Request Letter
Goodwill Letter for Late Payment
Collections Goodwill Letter
Goodwill Letter Closed Account
Charge Off Goodwill Letter
Goodwill Credit Letter