[Your Full Name]
[Your Street Address]
[City, State ZIP]
[Date]

[Creditor Name]
[Creditor Address]

Re: Goodwill Adjustment Request — Account [XXXX-XXXX-XXXX-1234]

Dear [Creditor Name] Customer Care Team,

Thank you for the [number] years I have been a customer of [Creditor
Name]. I am writing to ask for a one-time goodwill adjustment on a
late payment that was reported on my account in [Month, Year].

At the time, I was dealing with [brief, honest reason — medical issue,
job loss, family emergency, etc.]. Since then I have brought the account
current and have made every payment on time.

I take my credit very seriously and am working hard to rebuild it. A
single late mark is preventing me from [refinancing my mortgage / buying
a home / qualifying for a loan / lowering my rate]. I am respectfully
asking that you remove the late payment from [Month, Year] as a goodwill
gesture.

I appreciate your time and any consideration you can give this request.

Sincerely,

[Signature]
[Printed Name]
[Phone] · [Email]