Goodwill Sample Letter

The following is a “Goodwill Letter” requesting that a creditor remove a late payment from your credit report because you’ve been a good customer.

The text in [brackets] indicates where you must customize the letter.

You may use this letter with any creditor, but we highly recommend that you revise the letter to fit your circumstances.



[Your Name]
[Your Address]

[Creditor Name]
[Creditor Address]

Account #:

Dear [Name of Company Representative],

I have been customer since [year account established] and during that time, I have enjoyed my experience with [name of creditor] greatly. I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from [date of late payment].

Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of [explain why you made the late payment]. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with (name of credit card company). With today’s credit industry being so competitive, I know how important it is to maintain good relationships with customers. [name of creditor] has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why [name of creditor] is head and shoulders above the rest. I look forward to your reply.


[Your Name]



Mail out a minimum of 10 letters addressed to executives working within the company that is reporting the late payment on your credit reports. Send a copy of the letter to the company CEO, CFO, CAO, President, Vice President, Marketing Director, Finance Director, etc…. The more letters you mail, the higher the probability of a successful removal of your late payment.


You can also send emails but, based on our experience physical letters yield the best results.


If you need help, feel free to reach out to us and we can work on improving your credit scores by removing the derogatory information from your credit reports via credit bureau investigations, debt validation, method of verification, goodwill requests, etc…


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