Oh my, this is the perfect antidote to Monday blues. Deiseach April 23, at 1: It was partly my fault for having too much fun being on the receiving end of a Navy SEAL copy-pasta type experience, and I probably goaded Mr Gupta more than I should have past a certain point.
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Late payments can be damaging to your creditespecially if you stop paying your loans for an extended period of time. What is a Goodwill Letter? The purpose of a goodwill letter is to restore your credit to good standing by having a lender or servicer erase a lateness on your credit report.
Typically, those that have experienced financial hardship due to unexpected circumstances have the most success with goodwill letters.
They allow you to take responsibility for your actions and to ask in a very nice way if your student loan servicer can empathize with the situation that caused the lateness, and erase it from your report. What Makes a Convincing Goodwill Letter?
Take responsibility You want to be convincing and honest. Take responsibility for the late payment, and explain why it happened. They need to be able to sympathize with you. A good recent payment history Besides sympathy, you want to gain their trust as far as continuing to make payments goes.
If your lender sees payments being made on time before and after the period of financial hardship, they might be more willing to give you a break. Unfortunately, errors are often made on credit reportsand it may have been a clerical error on behalf of your servicer.
Simple and to the point The last thing to keep in mind is to craft a short and simple letter. Get straight to the point while telling your story.
I just pulled my credit report, and discovered that a late payment was reported on [date] for my account [loan account number].
During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless.
When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority.
It would help me immensely in securing other lines of credit so that I can further improve my credit score.
If the lateness cannot be removed entirely, I would still be appreciative if you could make a goodwill adjustment. I recently pulled my credit report and found that [Loan servicer] reported a late payment regarding my account [loan account number].
I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because [list the supporting facts you have].
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. You should also include your name, address, and phone number at the top of the letter, in case your loan servicer needs to reach you immediately.
This can be done either by fax or by mail. Most student loan servicers have their contact information on their website, but you can also look on your billing statements to see if they specify a different address. Additionally, you can try calling the credit bureau the lateness was reported to, and see if they can give you the contact information you need.
Your best bet is to get a personal contact at the company that has the power to erase the late payment from your credit report. If all else fails, try as many different communication methods as possible. Call, mail, fax, live chat if your servicer offers itand email them. Addresses and Fax Numbers to Try These addresses and fax numbers were found on the servicer websites directly.
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