Can I get late payments removed from my credit report?

Unless they made a mistake – for example, incorrectly reporting an on-time payment as late – most creditors won’t strike a late or missed payment off your credit reports.

Do goodwill adjustment letters work?

It depends on the creditor. Some creditors even include the rules to remove a missed or late payment on their website. Some creditors may not agree to remove a late or missed payment. At most, they may encourage you to build your credit and maintain a healthy credit history moving forward.

Do goodwill letters work for closed accounts?

They can work. But it will be up to the discretion of your lender or creditor.

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Goodwill Letters: Everything You Need To Know

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