Improve your credit with a Goodwill Letter
by Lisa Phillips
February 17, 2010
by Lisa Phillips
February 17, 2010
| Copyright RebuildCreditScores 2010 All Rights Reserved |
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Send a goodwill letter to your credit card issuer or lender to get negative items removed from
your credit reports. You can write a goodwill letter requesting a deletion of late payments in
order to raise your credit scores. Some creditors will delete late payment notations if you have
been a good customer for some years. Learn how to write an effective goodwill letter to your
creditors.
There is no guarantee that it will work but it worth a try. Sending the letter to a company
executive, such as the CEO, Vice President or Director can often lead to a positive outcome.
You may have to do a little research to find the names and addresses of officers of the
company. A good research resource may be Hoovers.com Always send the letter certified
return receipt.
your credit reports. You can write a goodwill letter requesting a deletion of late payments in
order to raise your credit scores. Some creditors will delete late payment notations if you have
been a good customer for some years. Learn how to write an effective goodwill letter to your
creditors.
There is no guarantee that it will work but it worth a try. Sending the letter to a company
executive, such as the CEO, Vice President or Director can often lead to a positive outcome.
You may have to do a little research to find the names and addresses of officers of the
company. A good research resource may be Hoovers.com Always send the letter certified
return receipt.
(Sample Letter)
Date
Your Name
Your Address
Your City, State Zip
Executive Name
Creditor’s Name
Creditor’s Address
Creditor's City, State & Zip Code
Re: Account Number
Date
Your Name
Your Address
Your City, State Zip
Executive Name
Creditor’s Name
Creditor’s Address
Creditor's City, State & Zip Code
Re: Account Number
Dear (Name of Executive):
I have been a good customer with your company since (year). I enjoy doing business with your
company and have been pleased over the years. I am writing to request a "goodwill"
adjustment be made to the above-mentioned account with the three major credit reporting
agencies.
Although I made a late payment(s) on (date), I have an excellent payment history otherwise.
My monthly payments are always on time. Please consider removing the negative payment
reported by your company from my credit reports. That was a temporary oversight and it has
never occurred since that time. The late payments I am requesting deleted and/or removed
occurred on (date).
These late payments do not reflect my overall good payment history with your company and I
would like them removed. I experienced a temporary loss of income due to (whatever).
Again, I really enjoy doing business with your company and hope to continue a satisfying
relationship in the future. I hope that you would take into consideration my loyalty to your
company and work with me to remove these negative marks from my credit reports.
I look forward to hearing from you soon.
Sincerely,
(Signature)
Your Name
I have been a good customer with your company since (year). I enjoy doing business with your
company and have been pleased over the years. I am writing to request a "goodwill"
adjustment be made to the above-mentioned account with the three major credit reporting
agencies.
Although I made a late payment(s) on (date), I have an excellent payment history otherwise.
My monthly payments are always on time. Please consider removing the negative payment
reported by your company from my credit reports. That was a temporary oversight and it has
never occurred since that time. The late payments I am requesting deleted and/or removed
occurred on (date).
These late payments do not reflect my overall good payment history with your company and I
would like them removed. I experienced a temporary loss of income due to (whatever).
Again, I really enjoy doing business with your company and hope to continue a satisfying
relationship in the future. I hope that you would take into consideration my loyalty to your
company and work with me to remove these negative marks from my credit reports.
I look forward to hearing from you soon.
Sincerely,
(Signature)
Your Name
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