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10 pathetic, hilarious credit report goodwill letters

Apparently, you, too, can create chaos and damage the integrity of the national banking system

| By Greg Fisher

The federal law the Fair Credit Reporting Act (FCRA) states, "An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers."

Let's hope so.

Apparently, however, based on how good you are at—ahem—writing, you can save your keister from the perils of self-induced latehood on credit reports and make a better life for you and your family!

Assuming you can sleep at night.

Vomit-inducing silly nonsense #Myth11

  1. I'm writing this letter to express my gratitude as a longtime customer of California Bank and to discuss a concern regarding my account.
    —lexingtonlaw.com
  2. I truly believe that it doesn’t reflect my creditworthiness and commitment to repaying my debts.
    —nerdwallet.com
  3. Since then, I’ve ensured on-time payments and value our relationship.
    —thecreditpeople.com
  4. The negative mark on my recent credit report may disqualify me from taking this next step.
    —upsolve.org
  5. I’ve enjoyed being a customer of Chase Bank since 1995.
    —thebalancemoney.com
  6. A goodwill adjustment to remove this entry would not only reflect positively on my credit report but also significantly impact my financial future.
    —thepennyhoarder.com
  7. I assure you that this late payment was an isolated incident.
    —bankrate.com
  8. But, due to the negative listings from my past late payments, I am not being able to get a reasonable mortgage rate. [Hello, India! #7Septillion]
    —ovlg.com
  9. Given my stellar payment history up until this point, I'm asking you to consider making a goodwill adjustment and removing the negative item from my credit reports.
    —usnews.com
  10. I take full responsibility for this mistake and apologize for any inconvenience it may have caused. [COME ON DOWN!]
    —creditrepaircloud.com




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