Account #: XXXXXXXXXXXX
Dear Account Specialist,
I have been a customer with Chase since 19XX and during that time. I have enjoyed my experience with your services, greatly. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have one late payment on the above referenced account that dates back to (date occured) . From that time till the close of this account I have been an exceptional customer paying every month on time and never late. When my MBNA account was taken over by Chase I had two chase cards closing this account since the credit limit was lower than my current account of XXXXXXXXXXXXX.
Because of my exceptional payment history over the years, I would like you to consider removing this negative payment from my credit reports. At the time of the late payment, I was working on setting up the account online in order to pay the account electronically with a direct debit from my bank account. I had spoke to someone at Chase when I had found out what had happened that the Bank Routing # was right but that the account number was missing the last number. This caused the account to go unpaid and because I was new at paying online. I did not have a checks and balance system in effect to catch the slight mishap. I corrected the problem and the person assisting me had said that since it was my first time ever being late that they would adjust it. I tell you this not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. It was not until recently after pulling my credit reports that I found out, this only blemish in payment history was found. I hope that you are willing to work with me on correcting this on my credit report.
I am a very pleased customer and hope to continue a long relationship with Chase. With today’s credit industry so competitive, I know how important it is to maintain a good credit report by working with and paying your lenders on a timely manor. Chase has been exceptional in my experience so far, and I highly recommend them to all of my friends and relatives. I hope that you will deeply consider my request and prove once again, why Chase is heads above the rest. I look forward to your reply.