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Removing late payments
I need to write a letter to the creditor of my paypal account to agree if I pay the account in full they will remove the late payments from my credit report. I'm looking to get an auto loan and my credit score isn't to shabby due to my irresponsible spending when I was younger. I'm new to this and I'm not sure about how to write a letter formally to ask to remove the late payments. PLEASE HELP.

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