Capital One Goodwill Letter
If it happens that you are one payment behind and you are afraid that might lower your excellent credit report, you can write a goodwill letter to the creditor and help clear the negative marks. Here's how you can write a capital one goodwill letter and ensure your credit report is cleared.
[Name, home address, and your account number]
Dear Mr/Mrs
I appreciate you taking the time to read this. I'm writing because I found [a late payment] listed on my account in my most recent credit report.
I want to emphasize that I am aware of my financial commitments, and if it weren't for [the event that prevented you from making a payment on time], I would have a stellar repayment history. I fell behind by mistake, but [explain how your situation has altered or how you've improved your financial state] since then. Since then, my track record of making payments on time has been flawless.
I've heard that the missed payment would make it harder for me to qualify for [a mortgage/auto loan/etc.] if I apply. I genuinely think it doesn't represent my creditworthiness and dedication to paying off my debts. If you could give me another chance and make a goodwill adjustment to get rid of the late payment, that would be extremely helpful.
I appreciate your time and thought and hope you will grant my request.
With all respect,
[your name]