Sample Goodwill Letter

Sample Goodwill LetterThis is a sample goodwill letter that you can send to your creditor, asking for his understanding and goodwill in removing a negative item from your credit report.

Each case has its own unique circumstances and requires a different letter, but you can use this sample goodwill letter as a good starting point and make the necessary adjustments.

Send your goodwill letter to the creditor’s address listed on your credit report’s “Contact Information” section. If there’s no address on the credit report or if you don’t receive a response in two weeks, look for another address on the creditor’s website.

For your convenience, copy this text into your favorite text editor software, or you can download a text version of it from here. Replace the bolded items with your personal information and edit the [square brackets] as required.

Sample Goodwill Letter

Your Name
Your Address
Your City, State, Zip Code
Collector’s Name
Collector’s Address
Collector’s City, State Zip


Re: Account Number XXXX-XXXX-XXXX-XXXX

To whom it may concern:

I have been a loyal card member of [Name of Credit Card Company] for [Number of Years] years and couldn’t be happier with my decision to join this card. You’ve always offered some of the most competitive rates, rewards programs and terms.

I was a model customer from the time I received my credit card in [Date you started] until [Date of Late Payment], when I suffered a medical illness which wrecked my finances and my ability to make timely credit card payments. As a result, I fell behind on my payments by 60 days. Fortunately, I was able to turn my financial situation around and I’ve been timely with my payments ever since.

Recently, I have begun shopping for a mortgage, and it has come to my attention that those two late payments may affect my chances of obtaining a mortgage or keep me from getting the best interest rate.

Since those late payments do not reflect my current status with [Name of Credit Card Company], I am requesting for a courtesy gesture of goodwill in having the record of those late payments removed from my credit report.
Thank you for your time reading this letter and the consideration you’ve given my situation. I’m looking forward to receiving a favorable decision from you soon.


Your Name
Your Signature

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