A written request to have a late payment entry removed from your credit report is known as a goodwill adjustment letter. You are effectively pleading with the creditor in the letter to understand your situation and remove the negative information from your credit report. And here’s how you can write a goodwill adjustment letter.
{Your name/address/phone number/email}
Account number/Date
To whom it may concern,
I’m reaching out to you because I saw on my current report that there was a late payment for my account in {date}.
I am aware of how crucial on-time payments are and how much of a hassle it would be for you if you didn’t make them. {Describe why didn’t you make your payments on time}
However, since the situation occurred, I have managed my financial situation, and I’m fairly certain that the late payments won’t happen again.
That’s why I’m writing this letter. If you would remove late payments from my report, I would be incredibly appreciative.
I appreciate your time and consideration,
Sincerely, {your name}
Capital One Goodwill Letter
Goodwill Debt Letter
Goodwill Credit Deletion Letter
Goodwill Letter Student Loan
Credit Goodwill Letter
Goodwill Collections Letter
Credit Report Goodwill Letter
Collections Goodwill Letter
Goodwill Letter to Remove Charge Off
Goodwill Dispute Letter
