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Goodwill Letter Sample for Late Payment

The following is a “Goodwill Letter” requesting that a credit card company remove a late payment from your credit report because you’ve been a good customer. You may use this letter with any creditor, but we highly recommend that you revise the letter to fit your circumstance. 


Your Name
Your Address

Credit Card Company

Account #:

To Whom It May Concern:

I have been customer since (year account established) and during that time, I have enjoyed my experience with (name of credit card company) greatly. I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from (date of late payment).

Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of (explain why you made the late payment). I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with (name of credit card company). With today’s credit industry being so competitive, I know how important it is to maintain good relationships with customers. (name of credit card company) has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why (name of credit card company) is head and shoulders above the rest. I look forward to your reply.


Your Name