I have a feeling that I went too in depth with my explanation. Open to any advice!
Dear Sir or Madam:
I am writing to see if Synchrony Bank would consider making a goodwill adjustment to the three credit reporting bureaus for account XXXXXXXXX. I would like for Synchrony Bank to remove reporting of late payments or possibly even delete the trade line.
When the account fell behind I was a full-time, non-traditional college student working only 15 hours per week. After bills, my bank account was negative by at least $ 200. I understand that I am responsible for not finding a better job sooner. I now have a full-time job and paid the account in full less than two months after my start date.
I will be graduating from my university this fall and hope to buy a house in the next two years. I hope that Synchrony Bank will give me a second chance at proving my credit worthiness and possibly becoming your customer again.