[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 [explain negative information, such as late payments for 30-60-90 days or charge-off] for [date] on this account. I would appreciate if you would consider removing the [negative information] from my credit report at all three major credit reporting bureaus (TransUnion, Equifax and Experian).
The [Late payment or charge off] 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, but I am in a more stable situation. This debt is one of my top financial priorities. I’m doing everything in my power to make payments as agreed for the remainder of the loan. I’ve already paid back the missed payments and associated fees in full.
I would be grateful if you could please remove the [negative information] from my credit report. Having the information removed would help me to improve my credit score and lead a financially healthier life.
[Your Full Name]