If you’re experiencing chronic financial hardship, including long ... Persistence may help persuade the creditor. Here’s a sample goodwill letter for missed payments on a credit card.

A goodwill letter is a formal request to a creditor asking them to remove a negative mark, like a late payment, from your ...

from your credit report. Goodwill letters are most effective when the late payment was an isolated incident caused by unforeseen circumstances, such as a financial hardship or medical emergency.