If you have late payments on your report card and you want to erase them, the best way to do it is by writing a goodwill letter. This is how you can write a professional goodwill letter to remove closed account.
To whom it may concern,
My canceled credit card {account} has a late payment for {date} listed currently on my credit report.
I accept that by failing to adequately adhere to the monthly payments, I was unable to fulfill the conditions of the account agreement. {Explain why}
I had trouble meeting financial obligations and made late payments. Since then, I have been carefully planning my budget and making all of my financial commitments and payments in order to raise my credit score.
If you could make a goodwill adjustment to remove this late payment notation from my credit bureau reports, that would be of great help to me. This is a closed account that symbolizes a previous mistake that, in the future, I hope won’t come back to haunt me.
I appreciate your consideration.
Sincerely, {your name}
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