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quirement). Respectfully yours, Your Signature Your Printed Name SSN: DOB: Current Address: Former Address: Current Employer: Previous Employer: he "leader of the pack" an above the rest. I look forward to your reply. Lastly, enclosed is a copy of my current photo ID and recent utility bill as proof of my identity and residency (Patriot Act ReCapital One has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will consider my humble request and prove once again, why Capital One is t customer in the past and hope to continue a long relationship with Capital One. With today's credit industry so competitive, I know how important it is to maintain good relationships with customers. late payments are not a good indicator of my actual credit worthiness. I hope that Capital One is willing to work with me on erasing the late payments from my credit reports. I have been a very happy new job, and all of a sudden, the company I was working for experienced a downturn and my hours were drastically cut. I say that not to justify why the payments were late, but rather to show that the my exceptional payment history over the last 36 months, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I had moved because of as is reported as 30-days late. Since that time I have been an exceptional customer paying early every month and have been rewarded by Capital One with ever increasing limits and lower APRs. Because ofmake a "goodwill" adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced account that date back to 1996 and 1998. All but one of the late payment Credit Reporting Department: I have been a Capital One customer since 1991 and during that time, I have enjoyed my experience with Capital One greatly. I am writing to see if you would be willing to p Date: CERTIFIED MAIL-RETURN RECEIPT REQUESTED Name of Credit Card Company Attn: Credit Reporting Department Address City, State & Zip RE: Account #: ____________________________ Dear Capital Oneency (Patriot Act Requirement). Respectfully yours, Your Signature Your Name SSN: DOB: Current Address: Former Address: Current Employer: Former Employer: LETTER #2 Your Name Address City, State & Zispent reading and reviewing the contents of this letter. As proof of my identity, I am enclosing a clear copy of my current photo ID and copy of a recent utility bill as proof of my identity and residonship with you, one that I am determined to keep spotless. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have is redemption and I beg you for such consideration. I wish to thank you again for allowing me the opportunity to share my thoughts and bumps in the road, and for giving me a second chance at a relatidit rating by revising those trade lines. If my memory serves me correctly, I have made the minimum payment of $________, in a timely manner since _______________________. I sincerely hope that there the very lowest interest rates now available. Since those notations do not reflect my current status with __________________________, I am requesting that you give me a second chance at a positive creas come to my attention that the late notations and the "reported non-payments" since ___________________ on my account with ____________________________ may preclude me from taking full advantage of al organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed. We are about to make an application for a mortgage, and it hed my responsibility with respect to payable accounts and have worked diligently to rehabilitate my financial situation. To be honest, that year was a "wake-up" call for me regarding personal and fiscthe loss of my job, and I think everyone knows how frightening that is. In ________________ of ___________, I filed a petition for a Chapter 13 Bankruptcy. However, a few years later, I fully recognizife and small children to care for. I became disorganized with respect to, as you saw, making timely payments. I am now aware that I should have called you immediately, but I had become distracted by oncerning a loan in my credit files that I sincerely hope to have revised. I received a credit account in the year ________________________. Unfortunately, several years later, I lost my job, with a w: ________________________ Dear Credit Reporting Account Manager: I am writing a letter about my experience with your fine company that is a mixture of a grateful "thank-you" and a pressing request cTER #1 Your Name Your Address City, State & Zip Date: CERTIFIED MAIL-RETURN RECEIPT REQUESTED Name of Company Address City, State & Zip Attn: Credit Reporting Department Account Manager RE: Account #ther in contract, strict liability, or tort (including negligence or otherwise) arising in any way out of the use of these materials. An attorney should be consulted for all serious legal matters LETuential damages (including, but not limited to, procurement of substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whelForms, Inc, its agents, partners, or affiliates, or ii) the providers, authors or publishers of the forms, be responsible or liable for any direct, indirect, incidental, special, exemplary, or conseqexpress or implied warranties of merchantability, suitability or completeness for any of the materials for your particular needs. The materials are used at your own risk. In no event will: i) FindLegaot provide legal advice. The purchase and use of these materials is subject to the "Disclaimers and Terms of Use" found at findlegalforms.com. These materials are provided "AS-IS." We do not give any work with you and avoid any derogatory information to be included on your credit profile. Disclaimer No Attorney-Client relationship is created by use of these materials. FindLegalForms, Inc. does nasking for a goodwill adjustment. In the future, if you feel that you can not pay your account on time, immediately call the creditor and notify them that you are having trouble... that way, they will 30-day late or a 60-day late payment. As long as you haven't requested a "goodwill adjustment" in the past 12 months, the creditor will usually make a concession. Remember; be polite and humble when swer is yes! It's called a "goodwill adjustment" and if you have held an account with a credit for more than 18 months, they will review your file, and either make the determination to remove either aGood Will Adjustment to Remove Late Payment Provided under agreement with copyright holder, © New Century Publications, Inc. 2007 Is it possible to remove late payments from your credit files? The an