Zarrad also recommends sending the letter through certified mail for proof of delivery. Sample pay-for-delete letter template. Here's an example to make it clear what to include and one way to ...

Payment history is a major consideration when it comes to calculating your credit score, making up ...

Different from a credit dispute, a goodwill letter explains why you had a late payment and asks the creditor to take it off your credit reports. Here's what you need to know to write one that works.