For legitimate late payments · 79% success rate

Goodwill Letter Generator

If you actually were late and want it removed anyway, this is the tool. Goodwill letters work best when you've been a loyal customer, the lateness was a one-off, and you own the mistake. Not for disputes.

Tell us about it

Your Full Name *

Mailing Address *

Creditor *

Account Number (partial OK) *

How long have you had this account? *

Date of the late payment *

Reason for the lateness *

Additional context (optional)

Account status now *

Your letter appears here

Goodwill letters should be under 300 words. We keep it tight.

📌 Who this works with

✓ Receptive

Synchrony Bank (many reported wins)
Credit unions (generally)
Smaller regional banks
Discover (occasional)

✕ Don't honor goodwill requests

Chase (publicly stated policy)
Bank of America (publicly stated policy)
Collection agencies (use pay-for-delete instead)

Reality check: Goodwill is a request, not a right. Success rates hit ~79% when you have 12+ months of perfect payments before and after the incident. If you're still missing payments now, fix that first — a goodwill letter won't land.

Goodwill Letter Generator

Tell us about it

Your letter appears here

Your Goodwill Letter

📌 Who this works with