Do you have late payments that you want removed? Use this letter template to request the removal of late remarks on an open account.
*There is NO law that says a creditor has to remove a late payment. As a consumer, you have the right to request, but they also have the right to deny.
*deletions do not absolve you of any debt. Unless due to identity theft or some other reason that specifically states you do not owe the debt, you are still ultimately responsible and should reach out to the original creditor to handle the debt.