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.
[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.