[header] How to remove late payments from your credit report [title] Thank the creditor and detail the reason for the letter. [step] Start your letter off on the right tone by thanking your creditor for their service. This way, the creditor will be more open to removing the late payment. 
Additionally, make sure to state that your letter is a goodwill letter and not a dispute letter. [substeps] For example, " to whom it may concern, i have been a loyal customer for over five years, and i would like to first thank you for your services throughout the years.