You have the best chance of erasing a bad score related to late payments by writing a goodwill letter. Although it is considerably more difficult to persuade debt collectors to remove other types of marks, you might succeed by writing them a goodwill late payment letter.
Regarding {your account}
{Date}
To whom it may concern
As a client, I’ve enjoyed using {Creditor’s Name}, so I’m writing to address a concern with my credit account.
Since {date}, when I first opened the account with you, I’ve been delighted with the kind advantages and top-notch customer support you’ve given me. I want to use your services for a very long time and have already referred friends and family to you.
I’ve been a very responsible borrower, and I have regularly made my payments on time throughout the duration of our arrangement. In actuality, I hadn’t missed a payment until recently.
{Describe in a few short sentences what happened and why you couldn’t make the payments}
I’ve been working to restructure my finances and repair my credit ever since. I apologize for any inconvenience I may have caused and pledge to pay on time every time going forward.
Sincerely,
{Your Name}
Credit Report Goodwill Letter
Goodwill Letter to Remove Collections
Goodwill Credit Adjustment Letter
Credit Score Goodwill Letter
Credit Letter of Goodwill
Goodwill Dispute Letter
Goodwill Letter Remove Late Payments
Goodwill Letter to Remove Closed Account
Creditor Goodwill Letter
Goodwill Letter for Late Payment
