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Important: A goodwill adjustment is voluntary. Do not state that accurate information is inaccurate.

Related credit reportBureauCreditor, collector, or inquiry companyAccount number / inquiry referenceLate-payment or inquiry dateCurrent account status

Circumstances or facts to include

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To [Creditor / Company],

Re: [Account or inquiry reference]

I am writing to respectfully request a goodwill review of the late-payment notation reported around [Date]. I understand that accurate information may be reported, and I am not claiming that accurate information is incorrect.

The circumstances were: [Brief factual explanation]

The account is currently: [Current status]. I would appreciate your consideration of a courtesy adjustment to the late-payment notation if your policies allow.

Thank you for reviewing my request. Please provide your decision in writing.

Sincerely,
[Consumer name]

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Goodwill Adjustment Letter

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