{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}

{{TODAY}}

{{CREDITOR}} — Customer Relations
{{CREDITOR_ADDRESS}}

**Re: Goodwill request — account ending {{ACCOUNT_LAST4}}**

Dear {{CREDITOR}} Customer Relations Team,

I have been a customer of {{CREDITOR}} since {{DATE_OPENED}}. Over that time, this account has been an important part of my financial history, and I want to acknowledge that I appreciate the working relationship we have had.

During {{LATE_PERIOD}}, I fell behind on payments to this account. The reason was {{HARDSHIP_REASON}}. I have since resolved that situation, and this account is now in good standing / has been paid in full. I am writing to ask you to consider, as a gesture of goodwill, removing the late-payment notation(s) from this account's credit reporting history.

I understand that this request is entirely at your discretion. There is no legal basis on which I am demanding this — only a personal request based on the length of our relationship, the isolated nature of the difficulty, and my commitment to going forward as a responsible customer.

A single goodwill adjustment on this account would have a meaningful impact on my ability to secure future credit at reasonable rates. I want to be forthright: the reason I'm writing is because this negative mark is limiting me in a way that a customer of my history should not be limited.

I am not asking you to change any accurate information about my account. I am asking you to consider, on the basis of goodwill and the length of our relationship, whether the late-payment notation is one that still needs to remain on my file.

Whatever your decision, I want to thank you for the time you take to consider this request. I remain a customer, and I appreciate your consideration.

With gratitude,

_______________________
{{OPERATOR_NAME}}
{{OPERATOR_PHONE}}
{{OPERATOR_EMAIL}}

*If your policy is not to consider goodwill requests: please let me know so I can pursue other options and stop asking. I respect your time.*
