Free Goodwill Deletion Request Letter [Sample]

Learn how to write a goodwill deletion request letter. Use our sample goodwill letter deletion request letter as a template for your request letter.

Goodwill Deletion Request Letter Sample

[Your Name]
[Your Address]
[City, State ZIP Code]
[Your Email Address]
[Your Phone Number]


[Credit Bureau Name]
[City, State ZIP Code]

Dear [Name of Credit Bureau],

I am writing to request a Goodwill deletion of the derogatory mark on my credit report that was reported by [Name of Creditor]. The mark in question is a [late payment/charge-off/etc.] that occurred on [Date].

I understand that this mark is a reflection of my past actions and I take full responsibility for my mistake. However, I want to explain the extenuating circumstances that led to this incident. [Explain the circumstances here]. I have since taken steps to ensure that this type of situation will not occur again in the future.

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I am writing to request that you consider removing this mark from my credit report as a one-time mistake, as it is not reflective of my creditworthiness or ability to repay debt. I am enclosing [list any relevant documentation]. I would be happy to provide any additional information you may need.

I appreciate your time and attention in this matter. I hope that you will consider my request and make a positive change to my credit report.

Thank you for your time and consideration.


[Your Name]

[Your Signature (if mailing the letter)]

Note: This is a sample letter and you should tailor it to suit your situation. Also, it’s important to include any evidence that supports your claims, such as proof of hardship or a letter of explanation from the creditor.

Frequently Asked Questions (FAQs)

1. What is a Goodwill deletion request?

Answer: A Goodwill deletion request is a letter or email sent to a credit reporting agency asking them to remove a derogatory mark from your credit report that was the result of a one-time mistake or extenuating circumstance.

2. How do I write a Goodwill deletion request?

Answer: When writing a Goodwill deletion request, it is important to be polite and professional. Explain the circumstances that led to the derogatory mark and why you believe it should be removed. Provide any relevant documentation to support your request.

3. How long does it take for a credit bureau to respond to a Goodwill deletion request?

Answer: Credit bureaus are required to investigate the request and respond within a reasonable period of time, which is typically 30 days.

4. Will a Goodwill deletion request be successful?

Answer: There is no guarantee that a Goodwill deletion request will be successful, as credit bureaus are not obligated to remove the derogatory mark. 

However, if you provide a compelling argument and relevant documentation, your chances of success may increase.

5. Are there any alternative solutions if a Goodwill deletion request is denied?

Answer: If a Goodwill deletion request is denied, you may be able to dispute the accuracy of the information on your credit report through the credit bureau’s dispute process. 

Additionally, you can work on improving your credit score over time by making all of your payments on time, paying off any outstanding debts, and monitoring your credit report for errors.

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