Goodwill Letter Student Loan

To whom it may concern,

I appreciate you reading my letter. My account number is [account number], and my name is [your name]. Upon reviewing my credit report, I found a late payment had been recorded.

My interactions with your firm have always been positive, and I'm determined to repay my loan on time. I have made payments on time, as you can see in my record, with the exception of this one. 

I'm now applying for a mortgage and am concerned about my eligibility or the possibility of being stuck with exorbitant rates. I firmly feel that neither my creditworthiness nor my commitment to repaying my obligations are adequately reflected in my credit record.

That's why I humbly ask that you eliminate the late payment and make a goodwill adjustment. I appreciate your thoughtfulness and hope you will grant my request.

Sincerely,

[Your name]