Goodwill Debt Letter

If you have ever tried to delete a debt on a credit card account, you may have experienced frustration. However, there is a way you can do it. Here’s how to write a goodwill debt letter that might help you achieve the goal. 

Regarding {your account}

{Name of the Debt Collection Company}

{Office Address/City and Zip Code}


Who may it concern

I’m writing to you because I have a problem with something that appears on my credit report. In particular, I have a problem with the paid collection marked with {insert account number}, which I’m hoping you’ll take into consideration changing.

When this occurred, I was upset because I usually try to be a responsible borrower. Actually, aside from one account, I’ve never been late on a payment.

However, I temporarily lost income as a result of {explain why you have a late payment}. I regret not being able to make the payments on time, but I wish I could have. I’m fully accountable for my delayed payment.

I’ve been working to restructure my finances and repair my credit ever since. I sincerely hope you would give me another chance and remove the bad entry from my credit report. 


{Your Name}

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Goodwill Late Payment Letter