If you’ve made a late payment recently, here is a letter that will get them updated.
Request removal of a late payment fee and send this letter (GOODWILL). If you’re in otherwise good standing with your bank, or if it’s your first time missing a payment, consider asking your bank to forgive or remove the late fee.
Aggressive Removal (Reverse late payment letter) If the goodwill letter didn't word after 30 days use this. Guaranteed removal