Goodwill Letter (Need feedback)

[Anonymous]

JCPenney

To Whom It May Concern:

I have been a JCPenney cardholder since 19XX, and I have thoroughly enjoyed my shopping experiences with your company.  I am kindly requesting a goodwill adjustment to your reporting to the three credit agencies.  I have two (2) thirty days (30 days) late payments on the above-referenced account in March of 2003 and April of 2004.  Since that time, I have been an exceptional customer ensuring prompt and timely payments.

Because of my improved payment history over the last several years, I generously request you to consider removing the negative payments from my credit report.  ***I ACTUALLY DON’T REMEMBER WHY THESE WERE LATE!!!  I AM NOT SURE WHAT TO SAY.***  I cannot justify why the payments were late, but I sincerely hope that JCPenney is willing to work with me on deleting the negative marks from my credit reports.

Before long, I will be in the market for a new vehicle and subsequently first-time homeownership.  I have been a satisfied customer since 19XX and look forward to a continuing, long relationship with JCPenney.  Your company has been outstanding thus far, and I do highly recommend you to everyone.  Again, I hope that you will respectfully consider my request.  Thank you for your time and attention herein.

[llecs]

You don't need to say why you were late. Or, if you'd prefer to say something, say, "During this period, I went through a financial hardship, but I was able to recover and continued making payments as scheduled.", or something like that.

[Anonymous]

A few months ago I used basically the same letter to GW Macy's and it worked. I really had no explanation as to why I was late 30-days in April 2006 - so I said I just couldn't recall.

Give it 30 days - if your GW letter doesn't work the first time - try again. Took me 3 attempts.

Good luck.  

[Anonymous]

A few grammatical adjustments suggested.

I have been a JCPenney cardholder since 19XX, and I have thoroughly enjoyed my shopping experiences with your company.  I am requesting a goodwill adjustment to your reporting to the three credit agencies.  I have two (2) late payments on the above-referenced account in March 2003 and April 2004.  Since that time, I have been an exceptional customer ensuring prompt and timely payments.

Because of my improved payment history over the last several years, I request you consider removing the negative payment reporting from my credit reports.  I actually do not remember why these payments were late, so I will simply plead ignorance and moments of forgetfulness from the past.  I am not justifying the late payments, and I sincerely hope that JCPenney is willing to work with me on deleting these negative marks from my credit reports.

In the near future, I will be in the market for a new vehicle and a first home.  I have been a happy JCPenney customer since 19XX, and I look forward to a continued financial relationship with JCPenney.  Your company is outstanding, and I do recommend you to everyone.  Again, I hope that you will consider my request.

Thank you for your time and consideration.

[Anonymous]

I don't think my last message showed up...but here it is again! --->  Y'ALL ARE AWESOME!  THANKS!!!