LATE PAYMENT

REM VAL
DUE
AST
P

A 609 LETTER DON'T STAND A

CHANCE AGAINST THIS EXPRESS
LATE PAYMENT REMOVAL GUIDE .
 LATE PAYMENT
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Copyright 2020 RUNWAY

BILLIONAIRE LLC
All rights reserved. This
book or any portion there
of may not be reproduced
or used in any manner
whatsoever without the
express written
permission of the
publisher
except for the use of
brief quotations in a book
review. This book can be
printed out for your
personal use.
 LATE PAYMENT
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no more waiting 30-

60 days for that
response from that
certified mail
letter you sent out.
this ebook will
walk you through
the express late
payment removal to
help you get those
late payments
removed quickly.
 STEP 1
first you will need to find the
creditor company CEO email.
see on page 7 and 8.
If you don't see the creditor
company name, simply do a google
search
(name of company + CEO email).
If you can't find the CEO name or
email, try LinkedIn. If you still
don't the company CEO email: Go
to rocketreach.co and create a
free account to search the email
addresses.
here's a quick hack: Don’t add the m at
the end of com i.e. (name@company.co)

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 STEP 2

Use the Goodwill Email Template.

feel free to Customize each email
to your circumstances.

please note: Do not attached the

goodwill email template as a
attachment, paste the Good will
letter in the body of the email

please note: NOTE: If you have

more than 4 late payments and
your account is going into
collections or a charge off
account due to late payments,
then use the goodwill email
letter and change the verbiage
and ask them to remove the
account from your credit report.
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 STEP 3
The email subject should say
"Goodwill Adjustment Request"

STEP 4
Please wait for a response, they
will respond within 48-72
business hours by email with
confirmation of your email.

Some CEOS will call you to let you

know they have removed your late
payments so be sure to look out
for any out of state or 1-800 phone
calls during this time.

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 CAPITAL ONE RICH.FAIRBANK@CAPITALONE.COM

CAPITAL ONE ROBERT.DEJONG@CREDITONE.COM

EXPERIAN BRIAN.CASSIN@UK.EXPERIAN.COM

EQUIFAX DANN.ADAMS@EQUIFAX.COM

TRANSUNION JACK.REMONDI@NAVIENT.COM

NAVIENT ROGERHOCHSCHILD@DISCOVER.COM

DISCOVER BLAKE.NORDSTROM@NORDSTROM.COM

PRA GROUP DAVID.SHERIDAN@AKTIV-KAPITAL.CO.UK

GENERAL MOTORS MARY.BARRA@GM.COM

NORDSTROM BLAKE.NORDSTROM@NORDSTROM.C
OM
SANTANDER MABDULHADI@SANTANDERCONSUMERUSA.COM

SPRINT MICHEL.COMBES@SORINT.COM

JP MORGAN/CHASE JAMIE.DIMON@JOMCHASE.COM

AMERICAN EXPRESS STEVE.SQUERI@AEXP.COM

APPLE TCOOK@APPLE.COM

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 WELLS FARGO RICH.FAIRBANK@CAPITALONE.COM

CITI ROBERT.DEJONG@CREDITONE.COM

BANK OF AMERICA BRIAN.CASSIN@UK.EXPERIAN.COM

NAVY FEDERAL DANN.ADAMS@EQUIFAX.COM

US BANCORP JACK.REMONDI@NAVIENT.COM

US BANK HOME ROGERHOCHSCHILD@DISCOVER.COM

USAA BLAKE.NORDSTROM@NORDSTROM.COM

KIA MOTORS DAVID.SHERIDAN@AKTIV-KAPITAL.CO.UK

MERCEDES FINANCIAL MARY.BARRA@GM.COM

LEXIS NEXIS BLAKE.NORDSTROM@NORDSTROM.COM

BARCLAY BANK MABDULHADI@SANTANDERCONSUMERUSA.COM

SYNCHRONY
MICHEL.COMBES@SORINT.COM
FINANCIAL

FIRST PREMIER JAMIE.DIMON@JOMCHASE.COM

FORD MOTOR STEVE.SQUERI@AEXP.COM

ALLY FINANCIAL TCOOK@APPLE.COM

CITIZENS BANK BRUCE.VANSAUN@CITIZENSBANK.COM

 GOODWILL EMAIL
TEMPLATE
YOUR NAME
YOUR ADDRESS:
ACCOUNT NUMBER:
DATE:
TO WHOM IT MAY CONCERN:
THANK YOU FOR TAKING THE TIME TO READ THIS LETTER. I’M
WRITING BECAUSE I NOTICED THAT MY
MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT
REPORTED ON “DATE” FOR MY CAPITAL ONE CREDIT CARD
ACCOUNT.
I WANT YOU TO KNOW THAT I UNDERSTAND MY FINANCIAL
OBLIGATIONS, AND IF IT WEREN’T FOR
“INSERT REASON (HARDSHIP, ETC)”, I’D HAVE AN EXCELLENT
REPAYMENT RECORD. I MADE A MISTAKE IN FALLING BEHIND,
BUT SINCE THEN, I’VE MADE MY FINANCES A PRIORITY AND
HAVE ORGANIZED ALL OF MY ACCOUNTS AND PAYMENT DUE
DATES, BOTH ON MY COMPUTER AND ON PAPER, ALONG WITH
NOTIFICATIONS AND REMINDERS FOR EACH ONE. SINCE THEN,
I’VE HAD A SPOTLESS RECORD OF ON-TIME PAYMENTS.

I’M PLANNING TO APPLY FOR A “INSERT MORTGAGE, LOAN,

ETC), AND IT’S COME TO MY ATTENTION THAT THE MISSED
PAYMENT ON MY RECORD COULD HURT MY ABILITY TO
QUALIFY. I TRULY BELIEVE THAT IT DOESN’T REFLECT MY
CREDITWORTHINESS AND COMMITMENT TO REPAYING MY
DEBTS. IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME
A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO
REMOVE THE LATE PAYMENT IN “INSERT DATE”. THANK YOU
FOR YOUR CONSIDERATION, AND I HOPE YOU’LL APPROVE MY
REQUEST.

BEST,
YOUR NAME
LATE PAYMENT
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 SECOND
METHOD

USE THIS METHOD ONLY:

IF YOU SIMPLY CAN NOT
FIND THE COMPANY
EMAIL OR CEO EMAIL.

GO THE COMPANY
FACEBOOK BUSINESS
PAGE OR LINKEDIN AND
MESSAGE THEM THE
GOODWILL LETTER
THROUGH MESSENGER.

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 Q&A

Q WILL THIS METHOD WORK ON

ACTIVE ACCOUNTS?

A YES, THIS METHOD WORKS GREAT

ON YOUR CURRENT AND OPEN
ACCOUNTS.

Q HOW WILL I BE CONTACTED?

A THEY WILL EITHER CALL YOU OR

EMAIL WITH THEIR RESPONSE, SO
TRY TO LOOK OUT FOR ANY
UNFARMILAR NUMBERS

Q WHAT IF I HAVE MORE THAN 5

LATE PAYMENTS ON AN ACTIVE
ACCOUNT?

A
THIS METHOD WORKS FOR 3-5
LATE PAYMENTS . IF YOU HAVE
MORE THAN 5 LATE PAYMENTS
STILL INCLUDE ALL OF YOUR
LATE PAYMENTS IN THE LETTER

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 Q&A

Q
WILL THIS WORK FOR AN
ACCOUNT THAT IS PLACED FOR
COLLECTION WITH LATE
PAYMENTS?

A
IF YOUR ACCOUNT IS PLACED IN COLLECTION,
I WOULD DISPUTE THE ACCOUNT FOR
REPORTING INACCURATE INFORMATION
REGUARDING LATE PAYMENTS. A COLLECTION
ACCOUNT SHOULD NOT INCLUDE LATE
PAYMENTS ONCE ITS IN COLLECTIONS.

Q WILL THIS WORK WITH

MORTGAGE COMPANIES?

A
YES, I RECOMMENDED GETTING IN
CONTACT WITH THE CEO OF THE
MORTGAGE COMPANY AND LETTING
THEM KNOW YOUR SITUATION.

Q WHAT IF I CAN'T FIND THE

COMPANY CEO'S EMAIL?

A
IF YOU'RE UNABLE TO FIND THE
CEO EMAIL, I WOULD REACHING
OUT BY SOCIAL MEDIA OR YOU
CAN MAIL THE LETTER TO THIER
ADDRESS.

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 Q&A

Q SHOULD I INCLUDE MY CONTACT

INFORMATION IN THE EMAIL?

A YES, DEFIANTLY INCLUDE THE BEST CONTACT

EMAIL AND CONTACT FOR YOU

Q I SENT THE EMAIL BUT I HAVEN'T

GOT A RESPONSE FROM THEM
YET.

A
IF YOU HAVE NOT RECEIVED A
RESPONSE FROM THEM YET, YOU CAN
ALSO FAX THE LETTER OR MAIL THE
LETTER TO THE COMPANY ADDRESS.
MAKE SURE TO ADDRESS THE CEO IN
THE LETTER.

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 LATE PAYMENT
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RUNWAY
BILLIOANAIRE
CONNECT
WITH ME
 LATE PAYMENT
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THANK YOUR
AGAIN FOR TAKING
THE TIME TO READ
MY BOOK. I HOPE I
PROVIDED YOU
WITH VALUE. STAY
CONNECTED WITH
ME, AND NEVER
STOP WORKING
TOWARDS YOUR
GOALS AND
DREAMS. .

RUNWAYBILLIONAIRE.COM