Due to the fact the reporting of your commercial activity is being published to the public so it may be viewed, without a contract with you or your entity. Which is a violation of the FCRA and Multiple UCC code. In many cases because of this company will settle with in the name of GOOD WILL. The following letter will assist in removing or correcting payment history. This is beneficial instead of removing the account and changing the age of the credit profile you can get a adjustment in the name of GOOD WILL
YOUR ADDRESS 1
YOUR ADDRESS 2
Month Day , 20XX
CITY, STATE ZIP
Dear Ms. NAME:
I have been a COMPANY NAME customer since 20XX and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. I have two late payments on the above referenced account that date back to 20XX. Since that time I have been an exceptional customer paying every month on time.
Because of my exceptional payment history over the last X years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that COMPANY NAME is willing to work with me on erasing this mark from my credit reports.
I have been a very happy customer in the past and hope to continue a long relationship with COMPANY NAME. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. COMPANY NAME has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why COMPANY NAME is heads above the rest. I look forward to your reply. Sincerely,