Interactive tool

Goodwill Letter

Ask a creditor to remove a late payment as a courtesy. It assembles as you type. This is a request, not a dispute, and the creditor decides. Free, unlimited, and never saved.

About you

This is the return address and name on the letter, exactly as it should read.

Full name Street address

City State ZIP

The account and the late payment

Creditor name The company you pay, as it appears on your statement. Account number optional Helps them find the right account.

Month of the late payment The month the payment was due and missed. How late? optional

What was going on at the time?

Pick the closest situation. This sets an honest, brief lead into your own words.

Medical emergency or illness A health event that made an on-time payment hard. Job loss or drop in income A layoff, reduced hours, or a gap in pay. Family emergency A death, a birth, or another urgent family event. Natural disaster A storm, flood, fire, or other disaster where you live. An honest oversight A missed reminder or an autopay that did not go through. Another hardship A one-off situation that is now behind you.

In your own words, what happened? Two or three honest sentences. Do not overstate it. The truth is the most persuasive version.

Your history optional

A good track record before and since the late payment strengthens the request. Add only what is true.

Customer since optional

I had a good payment history before this I have paid on time since this

Where the account stands now optional

Your privacy

Nothing you enter is saved or sent to us. It stays in your browser and disappears when you close the tab.

Copy pastes straight into an email or a document. Download PDF opens your print dialog.

Fill in the fields and your letter appears here.

Your letter, editable

You can edit the text above before you copy or download it.