# Sample-Goodwill-Letter-3


---

COMPANY NAME
ACCOUNT NUMBER
Address
To Whom it May Concern atCOMPANY NAME,
I am writing to you today regarding my-----------account which I had while I was astudent at---------------
---------------------. 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.
During the time period this account was established I had was very happy with 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 mycredit report inMONTHof 20XX.
I know that payment was my responsibility and I am not attempting to justify this breach of------------
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 credit worthiness. I hope that----------------is willing to work with me on
erasing this mark from my credit reports.
I would like to STRESS that the information currently being reported IS accurate, (I am not disputing
anything with---------------). I am simply asking-------------for a courtesy gesture of goodwill in having the
credit bureaus remove this account from my report. I do recognize that this request is unique and that it
may not be-------------normal policy. Please consider that the Fair Credit Reporting Act does not demand
that all accounts be reported, only that any account that is reported be reported accurately. Therefore,
a company does have legal discretion and permission to remove any account it chooses from the credit
report. I'm hoping that-------------will do that in my case for this account.
Your kind consideration in thismatter is greatly appreciated.
Best Regards
Name
Address
