Capital One Bank
RE: Account #:
Dear Madam or Sir:
I am writing to see whether Capital One would consider making a goodwill adjustment to the credit reporting bureaus on my closed account. I am asking whether Capital One would remove the adverse late payment and charge-off reporting from this account in reporting to the credit bureaus. I understand this is a rather unusual request—particularly as this account fell behind upwards of 120 days and was settled for less than the full amount.
Starting in 2003, I have been in the United States Army. I have spent the past 2 ½ years overseas in South Korea. The person that I had left responsible for paying my account on time did not live up to my expectations. Several payments were missed and account was eventually charged off. I had been completely unaware of this.
If what I ask is too much, then any goodwill adjustment to the reporting bureaus would be most appreciated.
Regardless of your decision, please know that I thank you for helping me at a time when it was needed, and I hope to do business with Capital One again one day.