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💌 GOODWILL LETTER GROOVE - Rick Jefferson | Late Payment Removal Anthem 2025 💌

One letter. One request. One chance to erase late payments from your credit report FOREVER.

This track breaks down the EXACT strategy for writing goodwill letters that actually WORK. Late payments killing your score? You don't have to wait 7 years. Fight back with grace.

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📝 WHAT IS A GOODWILL LETTER?

A polite written request asking a creditor to remove a late payment from your credit report as a gesture of GOODWILL - not because they have to, but because you ask nicely.

This is NOT a dispute. You're not claiming the late payment is wrong. You're acknowledging it happened but asking for mercy based on your otherwise good history.

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✅ WHEN GOODWILL LETTERS WORK BEST:

• You have a history of on-time payments before the late
• The late payment was a one-time mistake
• You have a legitimate reason (job loss, medical, emergency)
• You've since caught up and paid as agreed
• You're a long-time customer with the creditor
• The account is still open and in good standing

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📋 GOODWILL LETTER TEMPLATE:

[Your Name]
[Your Address]
[Date]

[Creditor Name]
[Creditor Address]

Re: Goodwill Adjustment Request
Account Number: XXXX-[Last 4]

Dear [Creditor] Customer Service,

I am writing to request a goodwill adjustment regarding a late payment reported on [Date] for my account ending in [Last 4].

I have been a loyal customer since [Year] and have maintained an excellent payment history except for this instance. The late payment occurred due to [brief honest explanation].

Since then, I have [set up auto-pay/caught up/etc.] to ensure this never happens again. My account is now current and in good standing.

I respectfully request that you consider removing this late payment mark from my credit report as a gesture of goodwill. I value my relationship with [Creditor] and hope to remain a customer in good standing.

Thank you for your time and consideration.

Sincerely,
[Your Name]
[Phone]
[Email]

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🎯 PRO TIPS FOR SUCCESS:

• BE POLITE - You're asking for a favor, not demanding
• BE HONEST - Don't make up fake excuses
• BE BRIEF - One page maximum
• BE SPECIFIC - Include account numbers and dates
• SHOW LOYALTY - Mention how long you've been a customer
• SHOW CHANGE - Explain what you've done to prevent future lates
• FOLLOW UP - Call after 2 weeks if no response
• TRY AGAIN - Different rep = different result

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📊 SUCCESS RATES:

Goodwill letters work more often than people think:
• Original creditors: 20-40% success rate
• Long-time customers: Higher success
• First-time late: Highest success
• Multiple lates: Lower success, but still worth trying

Even a 20% chance is worth a stamp and envelope!

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⚡ THE SCORE IMPACT:

One late payment removal can boost your score 20-50+ points depending on:
• How recent the late payment was
• How many other negatives you have
• Your overall credit profile

That score boost could mean:
• Lower interest rates
• Better loan approval odds
• Lower insurance premiums
• Better rental applications

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🔗 TAKE ACTION NOW:

Before writing goodwill letters, you need to KNOW what's on your report:

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🏢 ABOUT RJ BUSINESS SOLUTIONS:

We teach credit repair strategies that WORK. From dispute letters to goodwill requests, we've got you covered.

🌐 rickjeffersonsolutions.com
📧 [email protected]
📍 1342 NM 333, Tijeras, NM 87059

© 2025 RJ Business Solutions

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