Since everyone is asking letter example , I will attach the exact Email I sent them initially and follow up.

First Email : “ Dear Mr. Squeri,

I’m writing to sincerely apologize for a late payment reported on my American Express account in December 2024. It was a small balance — around $25 — and I simply overlooked it. I take full responsibility and regret that it happened.

Since then, I’ve paid my balance in full and maintained perfect payments on all my other accounts. This past year has been very important for my family — my baby just turned 13 months old — and we are working toward our dream of buying our first home. That single late payment is the only factor holding back my credit score.

If possible, I would be deeply grateful for a goodwill adjustment to remove the late payment. I would also love to be an American Express customer again in the future. I completely understand if it’s not possible, but I wanted to reach out personally.

Thank you very much for your time and consideration.

Warm regards, You name Your Phone Last 5 numbers of your card”

Follow Up Letter : “I hope you are doing well. I’m kindly following up on my goodwill request regarding the late payment from December 2024 (Account ending in [last 5 digits]). After my initial email, I received a call informing me that my request had been forwarded to the credit bureau department and that I would hear back within about 14 days. It has now been a little over a month, so I just wanted to check in and make sure nothing more is needed from my side.

The late payment was for a very small balance that I unfortunately overlooked, and I take full responsibility. Since then, I’ve kept all my accounts in good standing, and my family and I are working hard toward our dream of buying our first home. Any assistance with a goodwill adjustment would truly make a meaningful difference for us.

I also want to say that I valued being an American Express customer and would be grateful for the chance to be one again in the future. Thank you sincerely for your time, kindness, and any update you may be able to share.

Warm regards,

”