One way to get late payments removed is to start with a goodwill letter to the creditor, This is a straightforward way to potentially get a late payment removed from your credit report. Things to consider while writing a Goodwill Letter 1.Be nice and polite, 2.Be concise and to the point, 3.Accept accountability for your errors, 4.Describe how you'll keep up with payments, 5.Show your good payment history, 6.Explain the significance of the goodwill adjustment, 7.Add your contact information, 8.R
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