Goodwill Letter to Remove Closed Accounts from Credit Report [Free Samples]


To erase late payments from your credit report, learn how to compose a goodwill letter. To delete closed accounts from your credit report, use our sample goodwill letters as templates for your own.

Sample 1 – Goodwill Letter To Remove Closed Accounts From Credit Report

Your Name
Your Address
City, State, Zip Code


Name of Lender
Address of Lender
City, State, Zip Code

Account Number: #32-67456

To Whom It May Concern:

I’m writing to complain about your company putting late payments on my credit record. I had been a customer since [DATE-DATE] and had a solid payment history at that time. Regrettably, on [DATE], I was involved in a tragic car accident.

I broke both legs and was in hospital for three weeks and in intense physical therapy for six more weeks. Because of this, I was unable to work, which is why I didn’t make loan payments on time. I have included a copy of my hospital bill.

If you could make a goodwill adjustment that removes these late payments from my credit report, it would be extremely helpful to me. This is a closed account, was paid off, and represents a previous failing that I am hoping will not continue to impede my future.

Thank you for taking the time to consider my request. I can be reached at [Phone Number] or at [Email Address] if you have any questions or need any more information.


Your Name
List of Enclosures

sample 2 – Goodwill letter to remove closed accounts from credit report


[Name of Credit Company]
[Address of Credit Company]
Account Number: [000-0000-000]

[Name on Credit Report]
[Address on Credit Report]

Dear [Name of Credit Manager]:

I am writing concerning late payments placed on my credit report from your company. I was a customer from [DATE – DATE] and had maintained a good payment record during that time. Regrettably, on [DATE], I was laid off due to the company closing.

I am the the sole provider for my family and was unemployed for more than a month before finding another position.

My savings was quickly depleted by living expenses. Therefore, late payments on my account with your company was incurred. 

If you could make a goodwill adjustment to remove these late payments from my credit report, that would be really beneficial to me. This is a paid-off closed account that represents a past failing that I am hoping will not affect my future.

Please contact me if you need any additional information. Thank you for your consideration and time.


Your Name

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