Goodwill Letter
A polite request asking a creditor to remove an accurate late payment from your credit report as a courtesy. Creditors are not required to agree.
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[today's date]
To: [creditor name and address]
Re: Account [last 4 digits of account]
I have been a customer since [year account opened]. My account shows a late payment in [month and year late] because [brief, honest reason]. I have paid on time since then.
I would be grateful if you would consider removing that late payment from my credit reports as a goodwill adjustment.
Thank you for considering my request.
[your name], [your address]
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.