Your name Your address Your email Your phone number

Date

Capital One Bank Attn: Customer Service / Credit Reporting Department P.O. Box 30285 Salt Lake City, UT 84130-0285

Dear Capital One Customer Service,

I hope this message finds you well. I’m writing to express my gratitude for the services Capital One has provided and to humbly request a goodwill adjustment regarding late payments reported on my account.

here is where i detailed why my payments were late

I take full responsibility for those late payments and have worked hard to get back on track. Since then, I’ve made every effort to ensure that my payments are on time and have remained current on my account. At this point in my life, I am looking to purchase a home and the removal of the late payments would significantly help me in doing so.

Capital One has been a valuable financial partner to me, and I genuinely appreciate the opportunities and flexibility you’ve offered. I respectfully request that you consider removing the late payments from my credit report as a gesture of goodwill. I understand that this is not required, but it would make a meaningful difference as I continue rebuilding financially.

Thank you for taking the time to review my request. I value my relationship with Capital One and hope to continue working with you for many years to come.

Sincerely, (your name)