What is a courtesy late payment removal?

Late payments on a credit card or other loan can have a widespread financial impact beyond triggering late fees and higher rates. A single late payment can drop your score 80 points. Payments made more than 30 days past due can ding your credit score, making it harder to qualify for future loans and get good interest rates.  One possible solution: You may be able to remove late payments on your credit reports and start to improve your credit with a “courtesy late payment removal letter.” This letter won’t work if it is not preceded by a courtesy late payment removal phone call.  These calls require an expert touch and that is why the internet talks about a letter and not the phone call.  And that is why no matter how good you write that letter it almost never works.  What is in this letter? In a courtesy late payment removal letter, you ask the creditor that reported your late payments to remove the derogatory mark from your credit reports. Maybe you had an unexpected change of circumstances or financial hardship. Whatever the situation, your goal is to explain why you missed your payments and why the creditor should wipe them from the report.  This is almost impossible if you are not properly trained.