Goodwill Deletion Letter Template

[Date] [Your Name] [Address] [City, State ZIP] [Creditor Name] Customer Relations / Credit Department [Address] Re: Goodwill Adjustment Request Account Number: [XXXXXXXXX] Dear Customer Relations Team: I have been a customer of [Creditor Name] since [year] and have always valued our relationship. I am writing to respectfully request a goodwill adjustment to my credit report. In [month/year], I made a late payment on my account. At that time, I was experiencing [brief hardship: job loss / medical emergency / financial hardship]. I take full responsibility for this late payment and understand that it was my obligation to maintain current payments regardless of circumstances. Since that time, I have [brought my account current / paid off the balance in full] and have maintained an excellent payment history. I have been a loyal customer for [X] years and this is my only late payment in our relationship. I am writing to ask if you would consider removing the late payment notation from my credit report as a goodwill gesture. This mark is affecting my ability to [qualify for a mortgage / obtain the best rates], and removing it would make a significant difference. I understand this is not something you are required to do, and I genuinely appreciate any consideration you can give. Thank you for your time. Sincerely, [Your Signature] [Your Name] [Phone Number] [Email Address]