Sample Goodwill Letter to Remove Negative Credit Report Information

Several sample goodwill letters can be found on the internet, which lets you know that there is no one-size-fits-all letter. You should change at least half of the letter with personal details.

Your Name
Your Address
Your City, State Zip


Company Name
Company Address
City, State Zip

Re: Account Number

To Whom It May Concern:

I’ve enjoyed being a customer of Chase Bank since 1995.

Today, I’m writing to request a goodwill adjustment to my credit files.

I was a model customer from the time I received my credit card in 1995 until 2006, when I suffered a medical illness which wrecked my finances and my ability to make timely credit card payments. As a result, I fell behind on my payments by 60 days. Fortunately, I was able to turn my financial situation around and I’ve been timely with my payments ever since.

I’m preparing to shop for a mortgage and was told those late payments will keep me from getting the best interest rate. I’m requesting a goodwill adjustment since the payments do not reflect my current payment status. Thank you for your time reading this letter and the consideration you’ve given my situation.


Your Name

Remember to briefly state what caused the late payments and mention that you’ve since mended your ways. Do not copy and paste goodwill letters. Most large companies have thousands of letters coming in each month, you do not want just copy this letter and send it as they may have just read five that were also copied from this site.   It will be better if you make it a little more personal.

Statute of Limitations by State

Remember, the statute of limitation starts from the last time you paid on your bill.  If you have not paid for five years and 364 days on an old debt, and you make even a one dollar payment, the six years starts over.  If a collection company has your debt, the last active date should be the last time you paid the original creditor if you have not paid the collection agency.  Many times they have the active date as the date they received the account.  This is against the law and it is a reason to have a debt removed or the date fixed.


State Statutes of Limitations

Choose a state from the list below for state-specific statute of limitations laws, identifying the time limits for filing different types of civil and criminal cases in your state.