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Sample Letters

Do want to get your old negative listings removed from your credit report? Then, you need to send a Goodwill Letter to the creditor/collection agency and ask them to delete the negative listing from your credit report, simply out of goodwill. Here is a sample of a Goodwill Letter, for your reference:



Dear ,


This letter is a sincere request for your help and consideration.

Back in , I was financially strapped and could not help making a few late payments on the account mentioned above.

I completely disliked paying late and still feel bad about it. However, as soon as my financial situation improved, I started making timely payments and I have been striving hard to make financially responsible decisions since then.

At present, I intend to buy a house. But, due to the negative listings from my past late payments, I am not being able to get a reasonable mortgage rate. So, I humbly request that you remove this negative item from my credit report as a gesture of goodwill.

I would sincerely appreciate if you consider my request.


Your Signature _________________

Your Name ____________________

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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.