Goodwill Adjustment Request for Late Payment Letter

Full Name

Address

Contact Information

To:

Credit Bureau

Select Credit Bureau Details Experian - General Disputes & Consumer Relations, P.O. Box 4500, Allen, TX 75013 Experian - Corporate Office & Legal Correspondence, 701 Experian Parkway, Allen, TX Experian - Fraud & Identity Theft Department, P.O. Box 9554, Allen, TX Experian - Compliance & Legal Affairs, Experian Service Center, 28 Liberty St, New York, NY 10005 Equifax - Fraud & Identity Theft Department, P.O. Box 105518, Atlanta, GA 30348 Equifax - General Consumer Correspondence & Compliance, P.O. Box 740241, Atlanta, GA 30374 Equifax - Disputes & Consumer Relations, P.O. Box 740256, Atlanta, GA 30374-0256 TransUnion - Dispute & Consumer Services, P.O. Box 2000, Chester, PA 19016-2000 TransUnion - Fraud & Identity Theft Department, P.O. Box 805, Woodlyn, PA 19016 TransUnion - Corporate Headquarters & Legal Department, 555 West Adams, Chicago, IL 60661

Subject: Formal Request for Goodwill Adjustment of Late Payment Reporting

To Whom It May Concern,

I am writing to formally request a goodwill adjustment regarding a late payment that has been reported on my credit file for my account with [Creditor Name]. I acknowledge my responsibility in managing my financial obligations and understand that payment history plays a crucial role in creditworthiness. However, I believe that the reported late payment does not accurately reflect my overall payment history and financial responsibility.

Account and Late Payment Details:

Account Name:

Account Number:

Reported Late Payment Date:

Delinquency Status:

I have been a loyal and responsible customer, and this late payment was an isolated incident due to [briefly explain the reason: unexpected medical emergency, financial hardship, banking error, etc.]. Since then, I have ensured that all payments have been made on time and in full, and I have taken proactive steps to prevent any recurrence of such an issue, including setting up automatic payments and financial reminders.

Legal Basis for Request

While I understand that creditors are not required to remove accurate negative information from a credit report, the Fair Credit Reporting Act (FCRA) 15 U.S.C. § 1681i does allow consumers to dispute, request corrections, and seek goodwill removals for extenuating circumstances. Additionally, under 15 U.S.C. § 1681b, lenders and credit bureaus have the authority to review and modify reported data when a consumer provides reasonable justification for a correction.

Goodwill Adjustment Justification:

• I have demonstrated a consistent and reliable payment history before and after this single late payment.
• The delinquency was not habitual and does not accurately reflect my creditworthiness.
• I have since corrected the cause of the late payment to ensure it does not happen again.
• Removing this late payment would not only be a goodwill gesture but would also maintain the strong relationship between me and [Creditor Name].

Requested Action:

1. Remove the reported late payment from my credit file as a goodwill adjustment.
2. Update my account status to reflect a “Paid as Agreed” status.
3. Provide written confirmation that this adjustment has been made.

This goodwill adjustment would greatly assist in my efforts to maintain a strong financial profile and creditworthiness, and I sincerely appreciate your time in considering my request. Please let me know if any further information is needed. I look forward to your response at your earliest convenience.

Sincerely,

Generate Letter

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