How to Write a Goodwill Letter That Actually Gets Late Payments Removed

A goodwill letter is a polite request to a creditor to remove a late payment from your credit report as a gesture of goodwill. While they're not obligated to do this, many will if you ask nicely.

When Goodwill Letters Work Best

• You have a long positive history with the creditor
• The late payment was a one-time mistake
• You've since brought the account current
• You have a legitimate reason for the late payment

Key Elements of a Successful Letter

Be sincere, take responsibility, explain your situation briefly, and politely ask for the removal. Don't blame the creditor or make demands.