Credit Letter of Goodwill

For [name of the recipient]

I sincerely appreciate your time. I'll go straight to the point.

I'm writing because I found a late payment on my credit report [date and account number]. I take my financial commitments very seriously, and before this occurrence, I had a very good payment history.

Unfortunately, I failed to make a payment when [explain the event]. But now that I've solved my situation, my funds are in order.

[Explain the efforts you've taken to rectify the issue to ensure this never happens again.] For your review, I've attached [document, bill, or receipt, as appropriate].

I'm requesting that you make a goodwill adjustment and eliminate the bad entry from my credit reports due to my excellent payment history up until this time.

I really do intend to pay my payments on time, thus, I don't believe that this late payment is a fair reflection of my creditworthiness. I'd appreciate it if you gave me another chance. I sincerely appreciate your consideration of my plea.

Best wishes

[Your name and email address]