Credit Card Goodwill Letter
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]