3 Goodwill Deletion Request Letter Templates: Easy Fixes

Here are three detailed templates that you can use, tailored for different scenarios. Each template maintains a respectful tone, provides necessary details, and makes a clear request while emphasizing the writer’s commitment to maintaining a positive credit standing.

Template 1: Late Payment Goodwill Deletion Request



Subject: Request for Goodwill Adjustment for [Your Name]

Dear [Creditor/Collection Agency Name],

I hope this letter finds you well. I am writing to you today as a loyal customer of [Creditor Name] since [Year]. Recently, I reviewed my credit report and noticed a late payment reported on [Date], which was not reflective of my usual financial behavior. 


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This oversight occurred due to [Reason for Late Payment, e.g., unexpected financial hardship, family emergency].

I have always prioritized my financial obligations and am deeply regretful for this lapse. Since then, I have taken measures to ensure timely payments, including setting up automatic payments and closely monitoring my accounts.

Given my longstanding relationship with [Creditor Name] and my commitment to financial responsibility, I kindly request a goodwill adjustment to remove this late payment from my credit report. This gesture would greatly assist in reflecting my true creditworthiness and commitment to maintaining a positive credit standing.

I understand the importance of adhering to credit reporting guidelines and appreciate any consideration you can provide for this request. Your support in this matter is crucial to me as I aim to secure [Reason for Credit Improvement, e.g., a mortgage, a car loan].

Thank you for your time and understanding. I look forward to continuing my relationship with [Creditor Name] and appreciate your consideration of my request.

Sincerely,

[Your Name]
[Your Account Number]
[Your Contact Information]


Template 2: Charge-Off Goodwill Deletion Request

Subject: Goodwill Deletion Request for Charge-Off on Account #[Your Account Number]

Dear [Creditor/Collection Agency Name],

I am reaching out to request your assistance with a matter that is critically important to my financial health. My name is [Your Name], and I held an account with [Creditor Name], account number [Your Account Number], which unfortunately resulted in a charge-off as reported on my credit file.

This situation was highly unusual for me and was primarily due to [Explain Circumstances, e.g., severe medical issues, job loss]. 

I deeply regret the circumstances that led to this outcome and have since taken robust steps towards financial recovery, including [List Steps You’ve Taken, e.g., debt repayment plan, financial counseling].

I respectfully request a goodwill deletion of the charge-off from my credit report. This act of goodwill would significantly impact my efforts to rebuild my credit and work towards financial stability. I am not disputing the debt but kindly ask for your consideration based on my previous good standing and current efforts to amend my financial path.

I appreciate the role of [Creditor Name] in my financial journey and hope for a positive response to my request. Your understanding and cooperation would be immensely valued as I continue to rebuild my credit and ensure such situations do not recur.

Thank you for considering my request. I am hopeful for an opportunity to demonstrate my commitment to responsible financial management.

Warm regards,

[Your Name]
[Your Account Number]
[Your Contact Information]


Template 3: Goodwill Deletion Request for Multiple Late Payments

Subject: Request for Multiple Late Payment Goodwill Adjustments

Dear [Creditor/Collection Agency Name],

I am writing to kindly request your understanding and assistance regarding multiple late payments recorded on my account [Your Account Number] with [Creditor Name]. 

As a dedicated customer since [Year], it is with sincere regret that I acknowledge these lapses in my payment history, which were not indicative of my genuine intent or financial ethic.

These late payments were a result of [Explain the Reason, e.g., a difficult period of transition, financial oversight]. Since recognizing these mistakes, I have taken concrete steps towards ensuring such oversights do not occur again, including [List Remedial Actions, e.g., budget restructuring, financial planning].

Understanding the impact of these marks on my credit report, I am reaching out to request a goodwill adjustment. Removing these entries would greatly assist me in correcting my credit report’s reflection of my financial responsibility and integrity.

I value my relationship with [Creditor Name] and am committed to maintaining a positive standing moving forward. I appreciate your consideration of my request and hope for a favorable response that will aid in my ongoing efforts to improve my financial health.

Thank you for your time and understanding. I am eager to move past this and continue building a positive history with [Creditor Name].

Sincerely,

[Your Name]
[Your Account Number]
[Your Contact Information]


When using these templates, be sure to personalize the details to fit your specific situation, including your name, account information, and any specific circumstances related to your request. It’s also essential to address the letter to the correct department or individual responsible for such requests, if possible.

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