Goodwill Letter Template – Remove Late Payments

Simply Royal

3d • Q&A Credit Repair

If you’ve had a late payment on an account that’s now paid off or closed, there’s a powerful strategy you can use:

It’s called a Goodwill Adjustment Request. ❤️📉

This is where you ask the lender to remove the late payment out of goodwill — especially if:

You’ve been a good customer overall

The late payment was a one-time issue

The account is paid off or in good standing now

✉️ COPY + PASTE THIS TEMPLATE:

[Your Full Name]

[Your Address]

[City, State ZIP Code]

[Email Address]

[Date]

[Creditor’s Name]

[Creditor’s Address]

Subject: Request for Goodwill Adjustment – Account #[Your Account Number]

To Whom It May Concern:

I hope this message finds you well. I am writing to request a goodwill adjustment regarding a late payment that occurred on my account #[Insert Account Number] in [Insert Month/Year].

At the time, I [briefly explain reason – e.g., experienced a temporary financial hardship, lost my job, moved, etc.], but I have since taken steps to ensure this doesn’t happen again.

I have been a loyal customer and have consistently made timely payments outside of this isolated incident. I kindly ask that you consider removing the late payment from my credit report as a gesture of goodwill.

I appreciate your time and consideration, and I hope to continue maintaining a positive relationship with your company.

Sincerely,

[Your Full Name]

[Last 4 of SSN]

[Phone Number]

✅ Tips for Success:

Only send this for accounts in good standing or paid off

Use polite language — no demands or legal threats

Send via email and mail (with proof of delivery)

Follow up in 2 weeks if no response

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