FREE "Goodwill Late Payment Removal Letter"

In a goodwill letter, you ask the creditor that reported your late payments to remove the derogatory mark from your credit reports. Maybe you had an unexpected change of circumstances or financial hardship. Whatever the situation, your goal is to explain why you missed your payments and why the creditor should wipe them from the report.

(Note: If a credit report incorrectly says that you missed a payment when you did not, you should dispute the error instead of sending a goodwill letter.)

A strong goodwill letter asks the creditor to empathize with you. It’s pleasant and courteous. It shows that you take responsibility for your missed payments and demonstrates that you’ll stay current on your bills in the future.

It helps if you can point to a specific circumstance (for example, you lost your job but have since found a new one), or if you can show a recent track record of on-time payments. Keep it short and sweet.

Once you’ve written the letter, send it to your creditor using the address listed on its website or on your credit report. You might have to contact the creditor multiple times or follow up with a phone call. Persistence may help persuade them.

Creditors are never obligated to remove accurate negative items simply because you ask. And in some cases, creditors may not be able to remove the items due to internal policies or agreements with the credit bureaus. But making the request only takes a bit of your time, so it might be worth it.

DON'T FORGET TO ATTACH YOU VERIFICATION DOCUMENTS: ID/DL and SOCIAL

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