Goodwill Letter to Remove Closed Account
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]