Here is a sample template you can use to write a goodwill letter to creditors.
[State, ZIP Code]
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear [Recipients Name],
As your customer service center advised me, I am writing this letter to you regarding my cred score with your company. I have been a long-time user of [Company’s Name] service, and I have respected all parts of our contract over the years.
However, because of the mistake I made [ex. 4 years ago] of [list the mistake that has been made], which has caused me to get a bad mark. The error I made was caused by my dire financial situation at the time, but I have done everything to solve the problem, and I did [ex. 20 days later].
Since then I have followed all the rules of your company. Now, I am in a position where my credit score is very important because [list the reason], and I have been advised to ask you to write the UDF to the credit bureaus so the mark will be removed. I would appreciate you doing this favor for me, and I hope to hear from you soon.
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