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Goodwill Letter - Sample Letter to Send to Creditor

Written by: Kristy Welsh

Use This Sample Goodwill Letter to Remove Negative Items

This letter is a "Goodwill" letter requesting a creditor to remove a late payment or two because you have been a good customer. You are appealing to the creditor based on a good recent paying history. You will need to alter this letter to fit your situation and late payment history. Please go through this letter carefully and make sure to edit it where needed.


Your Name
Your Address

Creditor Address

RE: Your Account Number

Dear Creditor:

I have been a (creditor's name) customer since (date you opened account) and during that time, I have enjoyed my experience with (creditor) immensely. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to (insert dates). All but 1 of the late payments are 30-days late. Since that time I have been an exceptional customer paying early every month and have been rewarded by (creditor) with ever increasing limits and lower APRs.

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that MBNA is willing to work with me on erasing these marks from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with (creditor). With today's credit industry so competitive, I know how important it is to maintain good relationships with customers. (Creditor) has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why (creditor) is heads above the rest. I look forward to your reply.


Your Name

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