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The Goodwill Late-Payment Adjustment Letter helps you professionally request that a lender remove or adjust a reported late payment as a gesture of goodwill. Ideal for accounts with otherwise strong history, this letter emphasizes your responsibility, relationship, and corrective actions.
This template is especially helpful for:
Mortgage, auto, credit card, or student loan accounts
Late payments caused by emergencies, system errors, or verified hardships
Pre-drafted goodwill request with polite and professional tone
Customizable sections for your story and proof of hardship
Reference to FCRA accuracy obligations
Tips for supporting documents (bank statements, confirmation emails)
Best practices for mailing and follow-up
Sample response log and next-step guidance
Creditors often remove one-time lates for reliable customers who request it properly — especially with proof and sincerity.
Format:
Downloadable PDF
Instructional notes + checklist
Mail log + sample outcome tracker
Instant digital download — you’ll receive your files immediately after purchase.
Disclaimer: All templates and guides by Assertive Consultation Services, LLC are provided for informational and educational purposes only and do not constitute legal, financial, or tax advice. Use does not create an attorney-client relationship. Users are responsible for reviewing and completing all documents accurately. For legal or case-specific guidance, consult a licensed Massachusetts attorney or qualified professional.
The Goodwill Late-Payment Adjustment Letter helps you professionally request that a lender remove or adjust a reported late payment as a gesture of goodwill. Ideal for accounts with otherwise strong history, this letter emphasizes your responsibility, relationship, and corrective actions.
This template is especially helpful for:
Mortgage, auto, credit card, or student loan accounts
Late payments caused by emergencies, system errors, or verified hardships
Pre-drafted goodwill request with polite and professional tone
Customizable sections for your story and proof of hardship
Reference to FCRA accuracy obligations
Tips for supporting documents (bank statements, confirmation emails)
Best practices for mailing and follow-up
Sample response log and next-step guidance
Creditors often remove one-time lates for reliable customers who request it properly — especially with proof and sincerity.
Format:
Downloadable PDF
Instructional notes + checklist
Mail log + sample outcome tracker
Instant digital download — you’ll receive your files immediately after purchase.
Disclaimer: All templates and guides by Assertive Consultation Services, LLC are provided for informational and educational purposes only and do not constitute legal, financial, or tax advice. Use does not create an attorney-client relationship. Users are responsible for reviewing and completing all documents accurately. For legal or case-specific guidance, consult a licensed Massachusetts attorney or qualified professional.