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GW letter Q&A, Examples, and GW Success Stories

Moderator Emeritus

GW letter Q&A, Examples, and GW Success Stories

Many of us have made that mistake a time or two or more when we let things slide and we were late with a payment here and there. Or maybe there was a major financial event like a death in the family, divorce, disability, job loss, or others which resulted in lates, charge-offs, and collections. Based on the Fair Credit Reporting Act, these items can continue to haunt us for the next 7 years which can impact your interest rates, your credit terms, or even if you'd get approved for future or not. Thankfully there are creditors and collection agencies out there who will forgive our past and help us move on by deleting these items early off our credit reports. How do we ask for that forgiveness? We use a Goodwill (GW) letter.




What are GW letters?

A Goodwill letter is communication from you to an Original Creditor (OC) or Collection Agency (CA) asking for goodwill or help in removing specific reporting of a tradeline like lates, status, comments, or even removing the reported tradeline entirely.


Who are GW letters for?

GW letters are only for OCs or CAs. GW letters do not go to public records (PRs) like liens, bankruptcy listings, or judgments. GWs also are not mailed to the Credit Reporting Agencies (CRAs). Also, GW letters are only for paid items on your credit report. If you have any unpaid items you would like off, then an alternative is to send a Pay-For-Delete letter (PFD) instead. Be sure to read What Steps Do I Take.


Why should I send a GW?

If a GW is accepted, then your credit report could look better for it. This can result in higher scores in many cases which would improve how your existing creditors view you now and improve your odds of credit approval in the future.


What's in a GW letter?

All GW letters should be customized and tailored to your own situation, though there are several examples below to give you an idea. The best GW letters out there are short and to the point within a page or less. They'll usually include a mention of your name, address, contact info, and your account number for easy lookup on their end. It'll sincerely mention your business relationship, what happened to cause the baddie, what steps you took to correct it, and what you steps you took to make sure it never happens again. Finally, it'll wrap up with your specific request like request to remove a late or lates, remove the account, and so on.


How should I send a GW letter and whom shall I address it to?

You can send it via mail, fax, a phone call, e-mail, communication through their website, or you can send it through a 3rd-party. If you mail it, mail it via a stamp and don't send it certified or CMRRR. Doing so could appear confrontational. You can also use a third-party via sites like There are several success stories out there where sites like that resulted in GW success. Also in sending GWs, be very cordial and friendly. They are doing you a huge favor.


One good starting point is to address your letters "Dear Sir or Madam" and to use the address as listed on your credit reports. Most of the success stories in here never involved a specific person or department. If after time passes and success is limited, then certainly ask a higher up within the organization, but don't bombard that person or department with multiple requests. You want to ask for help and not annoy them.


What are the odds of success?

Can't remember who said it, but you'll miss 100% of the shots you don't take. Same applies with GW letters. Sending no letters will result in no results. It is a numbers game too. You and I can have the same baddie on our report, send identical letters on the same day and have opposite results. But never ever give up. It's not that common to see success with your first try.


What response, if any, should I see?

Most of the time, you won't get any response from the OC or CA. The response will be the correction yourself so be sure to pull your credit reports regularly or use a Credit Monitoring Service (CMS) to see if there's any success before giving it another go. On some occasions, they will contact you and will let you know what action they'll take. If denied for your GW request, they'll usually flat out tell you "no" that they won't remove it. In some examples in here, the creditor might say something like "it is illegal to remove accurate items from your credit report." Ignore it. It is illegal to report inaccurately, but not to remove items early.


Is there any risk to sending GW letters?

You should be aware of some risks to sending GW letters. A vast majority of the time, there are no issues, but you should know these just in case. First, there are a few examples in here of a GW resulting in the cross-reporting of a baddie. Maybe the baddie was only reporting on Equifax, but after the GW is received, they could report to TransUnion or Experian if they wanted to. Second, a GW sometimes leads to a dispute comment on your credit report. A dispute comment can impact how FICO reads that tradeline, like ignoring the balance and CL on a current account which would mess up utilization. Also, some lenders have been known to deny a mortgage if a dispute is reporting. Third, a GW in rare cases can result in additional baddies or lates being added. Maybe the OC was underreporting the baddies and a GW updated those. Fourth, in a few isolated cases, the GW resulted in the OC closing the tradeline entirely. Finally, there are quite a few cases in here of a GW resulting in in the entire tradeline being deleted when you didn't want it deleted. This can impact your score if it was an older account or helped your AAoA. Use due diligence in weighing risk.


Any last minute tips?

Be patient! Never give up!



Great threads on Goodwilling:


GW Example Letters 

GW group!

Goodwill Primer 

Induction's guide to finding important company contacts 



User-submitted GW examples:


A GW resulted in....


Chase deleted 3 TLs (1 settled and 2 had 90s) 

JCPenney deleted a 30 day

Countrywide removed three 30 day lates

Amex removed a paid CO 

Citi/Citgo and Citi/Shell removed two 30-days each 

Aspire CC deleted the TL 

Citi/Sears deleted 2 lates

Americredit deleted 30 day lates

HSBC removes a 30-day after a GW e-mail

Citi removed lates after a successful GW 

RJM Acquisitions deletes after a GW  ...scroll down a couple more posts to see the success.

Two medical CAs removed after a GW

Santander removes several lates

AFNI deletes after receiving a GW

BofA removes a 30 day late 

Capital One removes a CO thanks to a GW


Be sure to see the next post for more GW success!



Other user-submitted GWs...success, if any, wasn't mentioned:


GW for First Nationwide CA after payment

GW for an unnamed CC for late removals.

Example GW letter for a paid medical CA.

GW to Primus Financial

GW to CMI Group

Request for removal of lates reported by Chase.

Message 1 of 13
Moderator Emeritus

Re: GWs


These are just a few of hundreds of GW success stories out there. There are too many to post, but here's a select few success stories. Notice that many of these posters requested just a late or two to be removed and were successful. Some asked for 30 to 120-day lates to be removed and were successful. Some asked that the CO-reference be removed and were successful. Some asked for the entire tradeline to be deleted and were successful. The GW success stories covered credit cards, installment loans, mortgages, student loans, and collection agencies. Some of these were seemingly impossible for creditors like Bank of America, Chase, AmeriCredit, Target, Capital One, First Premier, and CAs like Arrow Financial, AFNI, NCO, and many more. 


Below are some GW success mentions found within these forums:


Called-in GW resulted in success with lates being removed for American Honda Finance, Chevron, and GEMB/Dilliards.

Persistent GWs letters resulted in lates being removed from Macys and Bloomingdales.

GWs resulted in 30-days lates being removed from Citi/Shell.

Capital One removed a 30-day late due to a GW.

GEMB/Dilliards success

Citimortgage removed a 30-day late

GW success with Everhome Mortgage and Chrysler Financial

GW win for Citi/Children's Place - 2 lates, GEMB/WalMart - 2 lates, Orchard removed lates, Macys - 2 lates, & Citi/Shell zapped a CO.

Credit One removed a 30 day late.

Three paid CAs removed with help from GWs.

CapOne success all around. They removed a 120-day late, a 90-day late, and updated a 30-day TL between 2 posters via phone.

Success with Direct Loans and CapOne. SL removed 6 lates up to 120 days and CapOne removed two 30s.

GAP deleted a TL. 

Target deletes 4 lates.

AmeriCredit and HSBC partial success with a GW. Americredit deleted 2 lates off EQ and HSBC deleted a late off TU.

Big time success with GAP, Discover, and FIA CSNA.

Partial success with Citi/Sears 

GW success with GEMB/Lowes

First National Bank of Omaha deleted due to a GW

More Discover GW Success

Phoned GW success for an unnamed GEMB store account.

Bank of America removed a 30-day late thanks to a GW.

E-mailed GW to Macys results in a 30-day late being deleted AND a refund of the late fee.

ACS Student Loans deletes several lates, including a 120-day.

RJM Acquisitions deletes after receiving a GW.

Chase GW success after using Planetfeedback.

GW win against Midland Credit Corporation (MizzB)

Wells Fargo Financial (WFF) deletes a 30-day after a GW.

Asset Acceptance and CMI both accepted GWs.

Portfolio Recovery Associates agreed to delete after a GW.

Wachovia deletes after a GW.

Diversified Adjustment Services deleted after a GW.

Arrow Financial deleted thanks to a GW.

Another Portfolio Recovery Associates GW success

NelNet SL agreed to delete after a GW.

Capital One CO deleted with the help of a Goodwill Letter.

Two HSBC charge-offs removed

AFNI deletes after a GW

Bank of America CO deleted

GW e-mail success for MOHELA (Missouri Higher Education Loan Authority)

GW deletion with ER Solutions, R&R Recovery, AFNI, and Arrow Financial.

NCO deleteion after a GW

Lexus Financial removes a 30 day late.

First Premier lates removed after a GW.

GW success for CACH, LLC (aka Square Two Financial).

Credit Control Corporation deletes after a GW.

Verizon Wireless paid CO deleted .

GW success for GEMB/Paypal 

Santander removed lates after a GW.

United Collection Bureau deleted after a GW.

Collection Company of America GW success

Palisaides Collections disappears after a GW

GW deletion for IC Systems

Another Verizon Wireless GW success using Planetfeedback.

Kohls GW success via e-mail

PG&E utility GW success

Wells Fargo CC goodwill success in removing a 30-day late.

Citi removed a 30 & 60 day late


..........and hundreds of others!


Never ever give up.

Message 2 of 13
Regular Contributor

Re: GWs

Thank you so much for all that. I think this will help a lot of people tremendously.


BTW - The quote "you miss 100% of the shots you don't take" - The Great Wayne Gretzky.

Starting Score: 640
Current Score: 744
Goal Score: 800

Take the FICO Fitness Challenge
Message 3 of 13
Moderator Emeritus

Re: GWs

@gymbo731 wrote:

BTW - The quote "you miss 100% of the shots you don't take" - The Great Wayne Gretzky.

Thanks! I was thinking of him or Jordan but I couldn't remember.

Message 4 of 13
Regular Contributor

Re: GWs

thank you this gives me so much hope that I can improve my credit can get the car of my dreams pretty soon!!!!

Starting Score: EQ 462 9/30/11
Current Score: TU 577 4/10/12 EQ 607 4/10/12 PLUS 627 4/10/12 Beacon 5.0 621 lender pull 4/13/12
Goal Score: 650

Take the FICO Fitness Challenge
Message 5 of 13
Frequent Contributor

Re: GWs

Yes thank you very much for sharing this! It has definitely given me inspiration and I've successfully gotten 2 old collections deleted that have been hurting me, including the one with AA that's been haunting me for years!

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Message 6 of 13
Established Contributor

Re: GWs

Thanks so much for this! I'm currently involved in the GW onslaught. At this point, I have two "paid" collections in which I've been GW'ing through mailed letters the past two weeks. In addition to that, I have one partially paid collection (I owe $477.00 of a debt that was originally $2200.00). When I have that fully paid, I'll start GW'ing it as well. I cannot even begin to imagine how amazing it would feel to have these GW's granted.


The success stories I read about on MyFico are what give me the Faith to keep trying and not give up.


Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.

Message 7 of 13
Regular Contributor

Re: GWs

Wow!!! That is a lot of info in one post, and knowing you, it probably got compiled  before lunchtime. LOL


Nice work and really thanks for taking the time out to do that, impressive!!!!

Starting Score: TU-685 (FICO) EQ-674 (FICO) EX-713 (PLUS SCORE FAKO)
Current Score: TU-800 (FICO) EQ-812 (FICO) EX-800 (PLUS SCORE FAKO)
Goal Score: 815

Take the FICO Fitness Challenge
Message 8 of 13
Regular Contributor

Re: GWs

wow! what an awesome thread, I have been searching and pulling up so many post with example GW letters. It's nice to have it in one thread. I am sending out my first two GW letters today.

Current 3B scores May 2022: EQ: 806 TU: 798 EX: 797
Message 9 of 13
Not applicable

Re: GWs

Thank you for this thread!  


I would just like to share the crazy news I just got.  I have copied and pasted information that I posted on the board earlier.  


I have been reading a lot of threads trying to educate myself on how to handle our credit problems.  I read a thread yesterday about writing goodwill letters to companies after you have paid off a bad debt to have them remove the CO from the CB.  I thought I would try to write them explaining our situation and that we would like to make good on the debt but wanted to know the best route to take to have it removed from our credit bureau.  I received a call the next day from someone with the "Executive Services" team and she proceeded to tell me that she looked over our spending and saw where we had problems paying and that though we were willing to pay our debt that she has already removed all finance charges, late fees, etc and that not only will they be deleting everything from the CB but they will also be sending us a check for $51.00!!!  


Just to make sure you understand....We owed Chase, this was an unpaid charge off in the amount of $1,079.00 ... it has been a charge off for about 4 years now.


CRAZY!  I cried and thanked her.  I would also just like to thank everyone on this board : )

Message 10 of 13
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