Free Letter to Remove Closed Accounts from Credit Report [Samples]

Learn how to delete closed accounts from your credit report by writing a letter. As a template for your letter, use our sample letter to remove closed accounts from your credit report.

Sample 1 – Letter To Remove Closed Accounts From Credit Report

Your Name
Your Address
City, State, Zip Code

DATE

Name of Lender
Address of Lender
City, State, Zip Code

Account Number: #32-67456

To Whom It May Concern:

I’m writing to complain about your company putting late payments on my credit record. I had been a customer since [DATE-DATE] and had a solid payment history at that time. Regrettably, on [DATE], I was involved in a tragic car accident.

I broke both legs and was in hospital for three weeks and in intense physical therapy for six more weeks. Because of this, I was unable to work, which is why I didn’t make loan payments on time. I have included a copy of my hospital bill.

If you could make a goodwill adjustment that removes these late payments from my credit report, it would be extremely helpful to me. This is a closed account, was paid off, and represents a previous failing that I am hoping will not continue to impede my future.

Thank you for taking the time to consider my request. I can be reached at [Phone Number] or at [Email Address] if you have any questions or need any more information.

Sincerely,

Signature
Your Name
List of Enclosures

sample 2 – letter to remove closed accounts from credit report

[DATE]

[Name of Credit Company]
[Address of Credit Company]
Account Number: [000-0000-000]

[Name on Credit Report]
[Address on Credit Report]

Dear [Name of Credit Manager]:

I am writing concerning late payments placed on my credit report from your company. I was a customer from [DATE – DATE] and had maintained a good payment record during that time. Regrettably, on [DATE], I was laid off due to the company closing.

I am the the sole provider for my family and was unemployed for more than a month before finding another position. 

My savings was quickly depleted by living expenses. Therefore, late payments on my account with your company was incurred. 

If you could make a goodwill adjustment to remove these late payments from my credit report, that would be really beneficial to me. This is a paid-off closed account that represents a past failing that I am hoping will not affect my future.

Please contact me if you need any additional information. Thank you for your consideration and time. 

Sincerely,

Your Name

Sample 3 – Letter To Remove Closed Accounts From Credit Report

[DATE]

[Name of Credit Company]
[Address of Credit Company]
Account Number: [000-0000-000]

[Name on Credit Report]
[Address on Credit Report]

Dear [Name of Credit Manager]:

My credit report currently has an entry for a [DATE] late payment for my canceled [Name of Credit Card] credit card account [000-0000-000].

I accept that by failing to adequately adhere to the monthly payments, I was unable to fulfill the conditions of the account agreement. I was injured in a major car accident in late [DATE], which caused me to be unable to work for several months.

I struggled to keep up with my financial duties during my rehabilitation and had to make late payments. To raise my credit score, I’ve been carefully budgeting and meeting all of my financial obligations and payments.

If you could make a goodwill adjustment that removes this negative payment notation from my three credit bureau reports, that would be quite helpful to me. This is a deactivated account that represents a past failure that I hope will not resurface in the future.

Please contact me if you need any additional information. Thank you for your consideration and time. 

Sincerely,

Your Name

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