[Your City, State, Zip Code]
RE: Late Payment on [Your Account Number]
To Whom It May Concern,
Thank you for taking the time to read this letter. I recently discovered a late payment for [date] on this account. I would appreciate for you to consider removing the late payment from my credit report.
The late payment happened during a difficult personal experience. [Give a few details surrounding personal experience such as I underwent a job loss, an unexpected move, a death in the family.].
I made a mistake by falling behind on my payments during a difficult personal experience. Now that I am in a more stable situation, I’m better able to meet all my financial obligations. As you can see from my recent payment record, I am making this debt a financial priority.
I would be extremely grateful if you could honor this request to remove the lateness from my credit report. I’m not proud of this late payment on my record, but it’s the only one I have. It would help me to improve my credit score and lead a financially healthier life.
[Your Full Name]