Credit Card Center Advertiser Disclosure

Valued Member
Posts: 37
Registered: ‎08-30-2012
0 Kudos

Goodwill Letter Review

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


Dear Sir:


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.


Very hopefully,







Any advice?

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Goodwill Letter Review

Looks good. I'd probably specifically state what I wanted removed (e.g. lates from x/xx to x/xx).

Valued Member
Posts: 37
Registered: ‎08-30-2012
0 Kudos

Re: Goodwill Letter Review


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.