If you have credit card debt, there are a few things that you can do to improve your credit score. One of those things is to send a goodwill letter to the credit card company explaining why you were late on your payments and asking them to remove the late payments from your credit report. Check out our goodwill letter remove late payments template.
{Your name/Address}
{Phone number}
{Account Number}
{Date}
To whom it may concern,
I am {your name}, as your client, I am very satisfied with the experience I had with your company. That’s why my goal is to maintain that relationship.
However, I recently saw in my credit report a late payment on {date}. During that time, I was not in a position to pay my monthly payment. {Explain why}
I realized my mistake, and since then, I have taken some serious steps in ensuring that every payment is paid on time.
Based on my timely and spotless history, I would like to request that you remove the late payments from my account.
Granting this would mean a lot to me, and it would help me improve my overall credit history.
Sincerely, {Your Name}
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