Hi, I have been working on writing a goodwill letter for my student loan past due payments and this is what I have come up with so far (personal info removed):
Xpress Loan Servicing
2400 Reynolds Rd.
Winston Salem, NC 27106-4606
I am writing a letter to express my gratitude to Xpress Loan Servicing for the professional and helpful service I received from your staff when I had two student loans being serviced by this company. The CSRs I spoke with were always polite and helpful. I would also like to submit a humble request regarding a past due payment in my credit files that I would like to have revised.
At the time that my loans were being serviced by your company, I fell on hard times, as many others did. I was a bill collector myself, the manager of the legal department at a local agency. Our commission rates were cut severely during the recession and I found myself struggling to keep up with my own obligations, these loans included. In spite of my best efforts, eventually I became late on my payments with Xpress Loan Servicing. As quickly as I was able, I caught up the payments.
I am currently in the process of trying to rebuild my credit rating, and I have been paying my student loans on time, and moreso, ahead. I am requesting that you give me a second chance at a positive credit rating by revising my history with Xpress Loan Servicing with the Credit Reporting Agencies. I sincerely hope that there is redemption at Xpress Loan Servicing and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome.
Regardless of your decision, please know that I thank you for helping me at a time when it was needed.