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Goodwill Letter?


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Here is a goodwill letter!

Regarding acct# 441****



city, state

To whom it may concern:

I am writing a letter about my experience with [creditor] that is a mixture of a grateful “thank-you” and a pressing request concerning a [creditor] tradeline in my credit files that I would like to have revised.

I received the [creditor] card in 1999, several years before I [name of tragedy, ie: surgery, lay-off]. I became very disorganized with respect as you saw, making timely payments to [creditor]. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with [creditor] since that time.

To be honest, that year was a “wake-up” call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principals I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which – excluding the [creditor] late entries– are good. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.

We are about to shop for a mortgage, and it has come to my attention that the late notations from [creditor] may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with [creditor], I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a “goodwill adjustment.” I sincerely hope that there is a redemption at [creditor], and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Very hopefully yours,

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