Goodwill Letters - How a Late Credit Card Payment Can Be Removed With a Goodwill Adjustment Letter
A goodwill letter -- or as it is sometimes called, a "goodwill adjustment letter" -- is one good, simple solution you can use to make an official, heartfelt request of your creditor to remove a negative listing from your credit report to fix bad credit.
This type of letter differs from a letter to dispute late payments or to dispute billing mistakes. Further, a goodwill letter has a completely different purpose from a credit dispute letter.
A goodwill letter allows you to accept the blame for late payments on credit cards, while appealing to the creditor for financial mercy....