FEDERAL LAW · PRE-VERIFIED
Goodwill Deletion Letter — Removing Accurate Negatives
Fair Credit Reporting Act · 15 U.S.C. § 1681s-2
✓ VERIFIED
A goodwill letter asks a creditor to remove a late payment or negative mark as a courtesy, not a legal right. It's most effective for long-standing customers with a single blemish on an otherwise good payment history.
Primary Statute
Fair Credit Reporting Act
15 U.S.C. § 1681s-2
A goodwill deletion letter requests that a creditor voluntarily remove accurate negative information as a gesture of goodwill. There is no legal obligation to honor such a request. Whether a creditor honors a goodwill request is entirely at their discretion.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act