Late payments can drop your credit score fast—but the right words can help reverse the damage. Our DIY Late Payment Removal Letter is a professionally written, results-backed template created from years of hands-on credit repair experience.

Use it to request a goodwill adjustment from your creditor or challenge inaccurate late marks through the credit bureaus. Whether the late payment was a rare mistake or never happened at all, this letter helps you speak the language that gets results.

✅ Goodwill and dispute versions included

✅ Fully customizable for any creditor

✅ Clear instructions for mailing or online use

✅ Designed for real credit score improvement

Turn one late mistake into a powerful comeback.