Goodwill letter to remove negative listing on your credit report

If you're looking to remove old negative items from your credit report, a Goodwill Letter is what you may need. Using goodwill letters, you can request your creditor or collection agency to remove negative listings purely out of goodwill. For instance, if you've made late payments due to hardship but have been a good customer and finally paid off the account, a Goodwill Letter can be effective in removing such negatives from your report. Just check out a sample Goodwill Letter as given below.

The Letter

Your Name

Your Address

Your Phone #

Credit Bureau's Name:

Credit Bureau's Address:


Dear Sir/Madam,

Re: Account Number

I am writing this letter to request your help and understanding.In , I began experiencing financial hardship and made a couple of late payments, even though I disliked doing so. However, I have become current on the account referenced above as soon as my financial standing improved. I've been working hard to make financially responsible decisions and get better control of my money.

I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill.


Your Signature

Your Name