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Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower.
To get a late payment removed, you can try writing a goodwill adjustment letter or a pay-for-delete letter, although removal is not guaranteed. Filing a dispute with the creditor or credit bureaus for incorrect information is also an option.
The process is easy: simply write a letter to your creditor explaining why you paid late. Ask them to forgive the late payment and assure them it won't happen again. If they do agree to forgive the late payment, your creditor should adjust your credit report ingly.
Unfortunately, an actual late payment is nearly impossible to remove from your credit report even if you were able to convince your card issuer to waive any fees you may have been charged.
The basic premise of this explanation letter is to address: The situation you were in which caused you to pay late was beyond your control. The situation has changed and your financial footing is solid again. The steps you are taking to make sure any future challenge will not impact your ability to pay.