How to Write a Goodwill Letter for Late Payment Removal

Posted July 2025 ¡ Credit Repair

Late payments can significantly impact your credit score, but there’s hope! A goodwill letter is a simple, effective tool you can use to request the removal of a late payment from your credit report—especially if you have a good payment history otherwise.

What Is a Goodwill Letter?

A goodwill letter is a written request to your creditor or lender, asking them to remove a late payment from your credit report as a gesture of goodwill. Creditors aren’t required to grant your request, but many will consider it if you have a strong history and a valid reason for the late payment.

When Should You Send a Goodwill Letter?

  • You’ve generally paid on time, but had a one-time slip due to hardship (illness, job loss, etc.).
  • Your account is now current and in good standing.
  • You want to improve your credit score for a loan, mortgage, or new credit card.

How to Write an Effective Goodwill Letter

  1. Be honest and concise: Briefly explain why you missed the payment and what you’ve done to correct it.
  2. Take responsibility: Acknowledge the mistake and show you understand its impact.
  3. Highlight your history: Point out your positive payment record and loyalty as a customer.
  4. Request removal: Politely ask for the late payment to be removed as a gesture of goodwill.
  5. Be polite and grateful: Thank them for their time and consideration.

Sample Goodwill Letter Template

Dear [Creditor Name],

I am writing to request a goodwill adjustment for a late payment on my account [Account Number] in [Month/Year]. Due to [briefly explain your hardship, e.g., medical emergency, job loss], I was unable to make my payment on time.

Since then, I have brought my account current and have maintained a positive payment history. I value my relationship with your company and kindly ask that you consider removing the late payment from my credit report as a gesture of goodwill.

Thank you for your time and consideration.
Sincerely,
[Your Name]

Tips for Success

  • Send your letter by mail or through your creditor’s secure message center.
  • Include any supporting documentation (e.g., proof of hardship, payment receipts).
  • Be patient—creditors may take several weeks to respond.
  • If denied, you can try again after a few months or escalate to a supervisor.

Why Goodwill Letters Work

Creditors want to keep good customers. If your late payment was a rare event and you’ve shown responsibility since, many lenders are willing to help. While not guaranteed, a goodwill letter is a low-risk, high-reward step in your credit repair journey.

Ready to send your own? Use our free AI-powered goodwill letter generator to get started instantly!