Sample Letter - Explanation of Delinquent Account

Date:
Name and Address of
Credit Agency

Re: Explanation of Delinquent Account Number _______________

Dear Creditor:

It has recently come to my attention that several of my payments to the above referenced account have been labeled "late" on my credit report.

I have been prompt in paying in the past, and missed the payments due to:
"Explain here"

Since these late payments occurred for an excusable reason, please correct the payment history for my account at the following credit bureaus:
____Experian
____TransUnion
____Equifax

It is important that my credit report reflect the good relations I have had with your company in the past. In addition, the requested corrections will make the report more representative of my financial habits.

Sincerely,

(Your Name)
(Address)
(Date of Birth)
(Social Security Number)

_________________________________________________