Charge Off Goodwill Letter
Use incredibly simple techniques to have charge-offs removed from your credit record. There is something you can do if a charge-off has caused your credit score to decline. Write a charge off goodwill letter and ensure that your credit report is clean.
[Your name/address/phone numer/account number]
To whom it may concern,
I'm [Your Name], and I'd want to start by thanking you for reading this letter.
My objective is to continue working with [name of the company/lender] since I've had an excellent experience with them.
I recently obtained a copy of my credit report and learned I have a late payment for my account [numer], which was reported on [Date].
During that time, I had [describe the situation that prevented you from paying your mortgage on time]
I acknowledge my error and accept full accountability for my deeds. I recognize that late payments affect your business negatively. However, I had a history of timely payments with you, and I've also started paying my bills on time again in recent months. I'm even signing up for automatic payments to make sure I don't forget any deadlines.
I would like to ask that you based on my otherwise flawless payment history to apply a goodwill adjustment and remove the late payment mark from my credit report.
Accepting this request will establish my reliability and help me enhance my credit history.
I appreciate your attention and understanding.
[Your Name]