• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Credit Repair Goodwill Letter Template

Goodwill Letter Templates: Free Downloads & How to Write

At a glance

You can send a goodwill letter to a creditor or debt collector to remove a negative item from your credit report, as long as you've already paid off the debt. Use the downloadable template below to write a great goodwill deletion letter and repair your credit.

Speak with our credit specialists today and start your path towards a better credit score.

Call (888) 478-1543 Tap to Call

Specialists available Monday to Friday, 10AM – 8PM EST.

Written by Zachary Vickers and Renée Chen

Reviewed by Robert Jellison

Dec 28, 2021

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. How to write a goodwill letter
  2. Goodwill letter template to remove late payments
  3. Other goodwill letter examples
  4. Essentials to mail with your goodwill letter

How to write a goodwill letter

A goodwill letter, also called a forgiveness letter, is a letter you send to your creditor asking them to remove negative information from your credit report as an act of goodwill.

When you send a goodwill letter, you explain the circumstances that led to you missing payments on your credit account and ask your creditor to empathize with you.

The most successful goodwill letters are:

  • Specific to your circumstances: Your goodwill letter shouldn’t seem generic or insincere. While we provide downloadable templates, you should modify them with your own unique circumstances and struggles.
  • Courteous, polite, and humble: Take responsibility for the negative information caused by your missed payments. Remember that you’re asking for goodwill, not making demands.

Once you’ve drafted your letter, you need to send it to your creditor’s address, which will usually be listed on your credit report or on your creditor’s website.

Note that since creditors aren’t required to respond to goodwill letters, you may have to contact them multiple times to follow up. If they do respond to you, they’ll let you know whether they’re willing to make an adjustment to your account (and if so, which negative marks they’re willing to delete).

When to use a goodwill letter

Goodwill letters are most effective when you have a good and honest reason for falling behind on your bills, such as a medical emergency that strained your finances. It’s also much easier to delete negative marks that are relatively minor, such as late payments. It’s far harder to remove more serious marks, such as charge-offs and unpaid collection accounts.

You’ll have the best chance at succeeding if you have a strong credit history, a good track record of making payments on time, and a good relationship with your creditor.

You should know that even in the best of circumstances, goodwill letters have a low rate of success. However, it’s still worth your time and effort to try, and our templates will give you the best possible chance.

If a negative item is incorrectly reported on your credit report, you should dispute it instead

Note that goodwill letters are only designed to remove accurate information after you’ve paid off your debts. If you have a negative item that’s incorrectly reported, file a dispute instead. If you have an accurate item that you haven't paid yet, try to negotiate pay for delete.

Goodwill letter template to remove late payments

The following is a goodwill letter template designed to remove late payments that you’ve completely paid off.

As mentioned, late payments are the type of negative mark that you have the best chance of removing with a goodwill letter. Other types of marks are much harder to convince creditors and debt collectors to delete, but you can still follow our advice below to try. 

Regarding: Account No.XXXXXXXXXX

[Creditor’s Name]
[Creditor’s Address]
[City, Zip Code]
[Creditor’s Phone Number]

To whom it may concern:

I’m writing this letter because I’ve enjoyed being a customer of [Creditor’s Name] and would like to address a concern regarding my credit account—specifically, an item on my credit report that I would appreciate getting revised.

I opened the [card/loan/credit account] with you on [date], and since then I’ve been thrilled with the generous benefits and excellent customer service that you’ve provided to me. I intend to be a long-term customer and have recommended your services to friends and family. Over the course of our contract, I’ve been a responsible borrower and have consistently paid on time. In fact, until recently, I'd never missed a payment.

However, due to a major car accident that forced me to stay at the hospital for an extended period of time, I temporarily lost my income and became disorganized with my bills. I wish I could have kept up with the payments, but I am afraid I wasn't able to do so. I take full responsibility for my late payment, but still wanted to let you know about the circumstances that led to it.

Unfortunately, the accident I suffered (and the consequent late payment) is now causing me a new set of problems. I’m planning to get a [mortgage, auto loan, credit card, etc.], and the negative mark on my credit report caused by my late payment is hurting my ability to qualify for favorable interest rates.

Since the accident, I’ve been trying to reorganize my finances and rebuild my credit. Given my history of on-time payments, I’m hoping you can give me a second chance and remove the negative mark from my credit report with [Experian, Equifax, TransUnion, or all three credit bureaus]. I promise to always pay on time from here on out, and apologize for any trouble I’ve caused.

Please let me know if I can provide any additional information that could help us reach an agreement that works for both of us. Thank you for taking the time to consider this request.

Sincerely,

[Your Name]

Build My Letter Now PDF Word

What should a goodwill letter say?

Below, we’ll explain what makes this goodwill letter template so effective.

To whom it may concern:

I’m writing this letter because I’ve enjoyed being a customer of [Creditor’s Name] and would like to address a concern regarding my credit account—specifically, an item on my credit report that I would appreciate getting revised.

I opened the [card/loan/credit account] with you on [date], and since then I’ve been thrilled with the generous benefits and excellent customer service that you’ve provided to me. I intend to be a long-term customer and have recommended your services to friends and family. Over the course of our contract, I’ve been a responsible borrower and have consistently paid on time. In fact, until recently, I’d never missed a payment.

However, due to a major car accident that forced me to stay at the hospital for an extended period of time, I temporarily lost my income and became disorganized with my bills. I wish I could have kept up with the payments, but I am afraid I wasn’t able to do so. I take full responsibility for my late payment, but still wanted to let you know about the circumstances that led to it.

Unfortunately, the accident I suffered (and the consequent late payment) is now causing me a new set of problems. I’m planning to get a [mortgage, auto loan, credit card, etc.], and the negative mark on my credit report caused by my late payment is hurting my ability to qualify for favorable interest rates.

Since the accident, I’ve been trying to reorganize my finances and rebuild my credit. Given my history of on-time payments, I’m hoping you can give me a second chance and remove the negative mark from my credit report with [Experian, Equifax, TransUnion, or all three credit bureaus]. I promise to always pay on time from here on out, and apologize for any trouble I’ve caused.

Please let me know if I can provide any additional information that could help us reach an agreement that works for both of us. Thank you for taking the time to consider this request.

Your relationship with the creditor

  • Explain that you’re a happy customer, but that you have an issue you need help with (the negative mark).
  • Explain that, in general, you’ve reliably made payments and have been a valuable customer.

Why you couldn't pay on time

  • Explain the incident or event which led up to the late payments or delinquencies, such as a move, a birth, a divorce, medical sickness, etc.
  • Explain the impact of the incident or event without making excuses.

How the negative mark hurts you

  • Explain how your quality of life is harmed by the negative mark.
  • Explain why it’s important to you to get the negative mark removed using a real example, such as a loan that it’s preventing you from getting.

Why your creditor should help you

  • Request that your creditor remove the negative mark.
  • Explain why they should trust you.
  • Apologize and express remorse for the problems you’ve caused.
  • Offer to provide more information to help them make a decision.

In the goodwill letter above, a medical emergency prevented the writer from making on-time payments. Medical bills can severely disrupt your finances and are often impossible to anticipate, which makes this one of the best possible reasons for failing to pay your creditor on time.

However, there are other good reasons why you might have missed payments. We cover them in detail below and include some language that you can copy and paste into your template if any of them apply to you.

Other good reasons for missing payments

Mention if your late or missed payments were caused by any of the following:

Getting laid off

Getting laid off can cause severe budgetary stress, especially if you recently made a big purchase. If a layoff left you struggling financially, explain that.

If you had an emergency fund but you burned through it and found yourself unable to pay your bills, mention that too. Saving money for an emergency demonstrates financial responsibility (even if your savings weren’t enough in the end) and makes it clear that you were the victim of events outside your control.

Your letter will be especially convincing if you’re able to mention any dependents you had to take care of (and who you had to prioritize above your obligations to your creditors).

Use language like this:

In [month], [year] I was unexpectedly laid off from my job at [company]. Supporting myself and [dependents] quickly burned through my emergency savings, and unfortunately I was unable to maintain my payments while seeking new employment.

A divorce

Going through a divorce can also be extremely stressful, especially when there are costly legal proceedings involved. The financial settlement may also impact your ability to stay on top of your bills.

The stress and expenses of the separation and divorce left me struggling to stay on top of my financial obligations. Now, post-divorce, I am trying to rebuild my credit, as I plan on getting a [mortgage, auto loan, credit card, etc.]

A move

Moving can be overwhelming, and it’s easy for things to fall through the cracks, especially if you weren’t able to get all of your mail forwarded to your new address. If you missed bills because they went to your old home (or if the move itself strained your finances), explain that.

I was forced to move out of my home due to [reason] and neglected to promptly update my address with [creditor], causing me to miss their letters. The move also drained my savings and used up most of my recent paycheck.

A birth or death

Birth and death are both major life events that can bring financial hardship. Sometimes these events can happen very suddenly too, resulting in urgent expenses.

The recent death of a family member brought on extreme emotional and financial hardship. Their illness also led to a sudden increase in medical bills, which I was responsible for and which my income wasn’t sufficient to pay.

Disruption caused by COVID-19

If you, like millions of other people, had your finances thrown into disarray by the effects of the COVID-19 pandemic, be sure to mention that in your letter.

Be as specific as you can. Mention if the pandemic caused one of the other events mentioned above (e.g., you were laid off or hit with expensive medical bills) or if it caused something else entirely (e.g., you were forced to quit your job to provide childcare because the schools in your area closed). Tailor your language to the event in question.

Other goodwill letter examples

All of the goodwill letter examples above are meant to help you remove late payments from your credit report. It’s natural to wonder whether you can use goodwill letters to remove other negative marks, such as collection accounts, which are generally considered more serious.

The hard truth is that even with minor issues like single late payments, goodwill letters are hit or miss, and they’re even less likely to work for more major derogatory marks. However, we’ve addressed other circumstances below in case you want to give it a try. Sending a goodwill letter has no real downsides, so there’s no harm in making the attempt, even if your chances aren’t very good.

Can you send a goodwill letter to …

Remove a charge off?

You probably can’t get a charge-off removed from your credit report with a goodwill letter. You receive a charge-off when your original creditor gives up on you paying back your debt and sells it off to a debt collection agency. Your original creditor would need to be extremely generous to forgive you for never paying them back.

Remove a paid collection?

It’s unlikely that a goodwill letter will work on a debt collection agency, even if you’ve already paid the debt in full, which means you probably can’t get a paid collection removed with a goodwill letter. Debt collection agencies aren’t generally known for their goodwill.

However, there’s no harm in trying. You can use the following template, which is modified to address a debt collection agency instead of a creditor.

example of a goodwill letter to send to a debt collector

Goodwill Letter to Debt Collector

Use this letter template to ask for a goodwill deletion from a debt collection agency. Remember to customize it to your circumstances for the best possible chance of success.

Build My Letter Now PDF Word

Remove an unpaid collection?

You definitely can’t get an unpaid collection removed with a goodwill letter. What you’d really be asking for here is total debt forgiveness, which won’t happen even with the most heart-wrenching story. If you’re in a desperate financial situation, your options here are as follows:

  • If you have some funds: You can try to negotiate pay for delete by sending something known as a pay-for-delete letter. You can also attempt debt settlement, which is a method that lets you clear your debts for less than they’re worth.
  • If you have no funds, but some income: Contact a nonprofit credit counseling agency and ask for a debt management plan. (Note that despite the similar names, debt management and debt settlement are very different.)
  • If you have no funds or income: You should still contact a credit counselor and set up a free consultation to discuss your options. However, it’s possible your best option will be declaring bankruptcy.

Remove a closed account?

Whether you can remove a closed account depends on whether it was closed in good standing (meaning all debts have been paid off) or if it was closed because it was delinquent.

If your account was closed in good standing, there’s no need to remove it from your credit report. In fact, because it demonstrates a positive payment history and adds to your credit age, keeping it will actually improve your credit score.

On the other hand, if the account was closed with outstanding balances that you’ve since paid off, then you can try to send a goodwill letter to remove the negative information from your credit report. If you haven’t paid the account off yet, opt to negotiate for pay for delete.

Remove a credit inquiry?

No, you can’t remove a hard inquiry with a goodwill letter. The way you should handle a hard inquiry on your report depends on the situation.

If the inquiry is:

  • A mistake: You need to dispute the illegitimate item by sending a letter to the company that conducted it and the credit bureaus that reported it.
  • Not a mistake: You can’t dispute or wish away a correctly reported inquiry. However, in most cases, it’ll only harm your credit score by five to ten points, and will naturally fall off your report after two years.

Essentials to mail with your goodwill letter

Be sure to send your goodwill letter with certified mail so that you’re positive they’ve received it. In your package, make sure the following information and documents are readily available:

  • Account number:  You can include this in your letter template
  • Copy of your credit report: Circle the negative item in your credit report to make it easy for them to find

sidebar

example of a goodwill letter to send to a creditor

Goodwill Letter Template Download

Build My Letter Now PDF Word

Zachary Vickers

Assignment Editor

View Author

Zachary Vickers worked previously as an editor for a team of journalists and reporters. He's covered a range of topics including personal finance, estate planning, small business operations, career advice, and more.

Renée Chen

View Author

Renée Chen is a credit analyst for FinanceJar. Her work covers credit repair, credit scores, and loans. Before writing for FinanceJar, she worked as a researcher and writer specializing in property insurance. She has a B.A. from Australian National University and an M.A. from the University of Sydney.

Related Articles

Credit report showing SYNCB/PPC
Credit Inquiries

Nov 5, 2021

SYNCB/PPC: What Is It and Why Is It on My Credit Report?

SYNCB/PPC stands for Synchrony Bank/PayPal Credit. There are a few...

FinanceJar Team
Polar bear guarding credit report in ice, representing how to freeze your credit
Credit Reports

Sep 22, 2021

How to Freeze Your Credit

A credit freeze prevents prospective lenders and creditors from...

Samuel Osbourne
new credit card envelope does it hurt credit
Credit Scores

Oct 1, 2021

Does Opening a Credit Card Hurt Your Credit?

Opening a new credit card can hurt your credit score slightly in...

FinanceJar Team
Black car being repossessed which has an impact on credit
Credit Repair

Aug 5, 2022

How Long Does a Repo Stay on Your Credit?

A repossession takes 7 years to come off your credit report,...

FinanceJar Team
Gauge representing credit utilization rate
Credit Scores

Oct 6, 2021

Credit Utilization: What It Is and How It Affects Your Credit Score

Your credit utilization is the amount of your revolving credit that...

FinanceJar Team
Man disputing an item on his credit report with the credit bureaus
Credit Repair

Sep 13, 2021

How to Dispute an Item on Your Credit Report

If you suspect you have inaccurate information on your credit...

Victoria Scanlon
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.