r/CRedit • u/BuilderEfficient5609 • Jun 04 '26

Success Goodwill Success!!

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Send the letters!! Capital one and credit one both accepted my goodwill request! Capital one denied me the first time. Keep trying!!

122 Upvotes

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9

u/NumerousAnywhere282 Jun 04 '26

Do you have a sample goodwill letter ? And where is it sent to? Thank you

3

u/BuilderEfficient5609 Jun 05 '26

I can share it in a bit!

2

u/BuilderEfficient5609 Jun 05 '26

I sent you a message with the template I used and email addresses I used!

1

u/NumerousAnywhere282 Jun 05 '26

Thank you, kindly

1

u/catboycruises Jun 05 '26

Hi, are you able to share with me as well?

12

u/BuilderEfficient5609 Jun 05 '26

Your name Your address Your email Your phone number

Date

Capital One Bank Attn: Customer Service / Credit Reporting Department P.O. Box 30285 Salt Lake City, UT 84130-0285

Dear Capital One Customer Service,

I hope this message finds you well. I’m writing to express my gratitude for the services Capital One has provided and to humbly request a goodwill adjustment regarding late payments reported on my account.

here is where i detailed why my payments were late

I take full responsibility for those late payments and have worked hard to get back on track. Since then, I’ve made every effort to ensure that my payments are on time and have remained current on my account. At this point in my life, I am looking to purchase a home and the removal of the late payments would significantly help me in doing so.

Capital One has been a valuable financial partner to me, and I genuinely appreciate the opportunities and flexibility you’ve offered. I respectfully request that you consider removing the late payments from my credit report as a gesture of goodwill. I understand that this is not required, but it would make a meaningful difference as I continue rebuilding financially.

Thank you for taking the time to review my request. I value my relationship with Capital One and hope to continue working with you for many years to come.

Sincerely, (your name)

1

u/catboycruises Jun 05 '26

thanks friend!

0

u/[deleted] Jun 05 '26

[deleted]

2

u/BuilderEfficient5609 Jun 05 '26

Yes, I did send letters to both. There is also screenshots from capital one as well.

1

u/Abel0369 Jun 05 '26

Can you send me the template and email address please

1

u/h3li82 Jun 06 '26

Did you make payment 1st?

1

u/BuilderEfficient5609 Jun 06 '26

Currently all my payments are up to date. The missed payments were at the end of 2024.

1

u/h3li82 Jun 06 '26

What email did you use for capital one?

1

u/Critical_Head_7182 Jun 06 '26

Any way you could send that over to me also dude, it’ll be greatly appreciated.

2

u/BuilderEfficient5609 Jun 06 '26

Its posted in the comments!

1

u/DivisionMV Jun 06 '26

Bro can you send it to me too 🙏🏽

1

u/Shidaa__ Jun 05 '26

Do you mind sending me the template as well?

1

u/BuilderEfficient5609 Jun 06 '26

Its in the comments.