A single late payment — which happens 30 days or more after the payment was due — can have a significant impact. Goodwill ...

A goodwill letter is a formal written request asking a creditor to remove a negative mark, like a late payment, from your ...

A goodwill letter is a formal request to a creditor asking them to remove a negative mark, like a late payment, from your credit report. Goodwill letters are most effective when the late payment ...