Ok, this is what I've got.
Thank you for taking the time to read this letter. I’m writing because during the mortgage prequalification process I was informed that I have a delinquent account with Capital One. I apologize for not taking care of this sooner, but I honestly did not know. Credit responsibility is a matter that I will be taking serious from this point forward, and I regret not being more proactive before. I want you to know that I understand my financial obligations. I made a mistake in falling behind, but since then I have joined the Army, and I am making every effort to be a more positive role model for my son. Since July 2012, when I decided to make less than smart decisions, I have done everything possible to make all payments on all my accounts on time. I’m planning to apply for a mortgage in November 2016 when myself and my family transfer within the Army to Georgia. I honestly believe that my past indiscretions don’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove this account from my credit report so I will be able to purchase a home for my family.
Thank you for your consideration, and I hope you’ll approve my request.
Best,
