Goodwill Adjustment Letter
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I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.
A goodwill letter is a request to a bank, lender or another creditor to remove a missed payment or another mistake from the credit report. This action is also known as a goodwill adjustment. As the name implies, the creditor is under no obligation to comply with or even consider your request. This ready-made letter template is well suited for such kind of matter. Communicating in a professional way will
get you and your company respect which can help you to achieve your goal.
By using this note of goodwill for other agencies is to clear debt obligations, you do not need to start from scratch, and you will save time to focus on important subjects. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.
Snippet:
During the time period, this account was established I had was happy receiving the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report.
I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.
As soon as I became aware of the balance I contacted and paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with is not a good indicator of my actual creditworthiness. I hope that is willing to work with me on erasing this mark from my credit reports.
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