Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to remove late payments from your credit report [title] Thank the creditor and detail the reason for the letter. [step] Start your letter off on the right tone by thanking your creditor for their service. This way, the creditor will be more open to removing the late payment.

Ending1: [title] Identify details that are relevant to the late payment. [step] Describe the problem so that creditors can see that the late payment went unclaimed. Ending2: [title] Choose a change of address where creditors will not be able to see the debt. [step] Choose a new address that allows creditors to see the late fees that you pay. Ending3: [substeps] For example, if you receive a late receipt of your loan, end the letter with " i thank you " followed by the creditor's phone number. You could also include your contact information in your thank you letter. Ending4: Additionally, make sure to state that your letter is a goodwill letter and not a dispute letter. [substeps] For example, " to whom it may concern, i have been a loyal customer for over five years, and i would like to first thank you for your services throughout the years.

Answer format: ending1/ending2/ending3/ending4