How to remove late payments from your credit report*
Send this goodwill letter template to your creditor
Download your free goodwill letter template to ask your creditor to remove them!
*Disclaimer: By downloading this guide you agree to receive email correspondence from Cambio Financial Health Inc. and assume full responsibility for any action you take to affect your credit report. Cambio Financial Health Inc. does not guarantee any improvements to your credit score, or derogatory item deletions.
Watch our video guide on how to remove late payments
What is a goodwill letter?
Definition: A goodwill letter is sent to the creditor of the account that contains a late payment. This is one of the most effective strategies to help you remove late payments from your credit report. The goal of this letter is to convince the creditor to stop reporting the late payment out of their own goodwill. This tactic is particularly useful for accounts that have only one or two late payments but otherwise spotless payment history.
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