Jump to content

writing an effective letter to card issuers to remove 30 day lates


The last post in this topic was posted 1039 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts



Almost at the finish line. Paid off personal trade lines. Three have 30 day lates. One of these is their mistake and I know what to to do. In two cases, it is actually an oversight on my part in the middle of covid arrangements.


What are effective letters to banks? What tone does one take?


Sorry, I am sure this has been addressed in the ocean that this forum is. I would greatly appreciate a quick pointer. :):)

Link to comment
Share on other sites

Agree with @schizcat ; honest request, in your own language, simple and straight forward is best.  I prefer typewritten over handwritten for the sake of legibility and small space; if written in your own voice, I don't think it'll be mistaken as a copied form letter.


Letter should briefly state the request, explain the delinquency (pref in 25 words or less), and express appreciation for any consideration that can be extended.  Provide a voice number at which you can be contacted with any questions.


The real challenge isn't the letter; it's deciding where to send it to receive the best chance of serious consideration.  A broad internet search can yield insight for optimal contacts for a given issuer; look for "success" narratives in which they provide tips based on their recent experience.


If you're dealing with someone other than Bank of America (who takes great pains to state that they don't accept or accede to "goodwill" requests), or someone of that ilk, with a modest 30-day delinquency I might be inclined to reach out to the issuer's standard customer service by phone and ask to speak to a manager for assistance with the request.  It's a little more difficult to brush someone off over the phone than by mail/email.


I believe some banks are still willing to assist and may be proactive in offering a goodwill gesture.  If they can't assist, ask them the best contact with whom to escalate the request.  Explain that you value your relationship with the issuer and, because of the extenuating circumstances, would like a full opportunity to impress on the bank that negligence isn't a factor here and any consideration would be very much appreciated.




Link to comment
Share on other sites

On 7/14/2021 at 3:13 PM, hdporter said:

Explain that you value your relationship with the issuer 


This is what I was going to bring up. You might be lucky enough to speak to someone who understands that good will is a two way street, and that making you happy is potentially a ticket to greater account use, more new accounts, etc.

Link to comment
Share on other sites

12 hours ago, centex said:

As a reminder for all coming along later, most lenders are publicly traded.  This means SEC filings become a great source of contact information, both in terms of names/positions but also potential email or fax contacts...

To this point, try to direct the letter to a specific person instead of a generic to whom it may concern. The old adage you catch more Flys with honey than vinegar applies to goodwill letters. 

Link to comment
Share on other sites

On 7/15/2021 at 7:11 PM, theGman said:

Thank you,@sidewinder@centex @shizcat

Points taken. What about lates on accounts that are already closed? Go after them too? Transunion report does not seem to care about those.

Sent from my iPhone using Tapatalk

You may have a harder time with those. With no current relationship it means less to them. Especially the big banks. 

Link to comment
Share on other sites

The last post in this topic was posted 1039 days ago. 


We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Member Statistics

    • Total Members
    • Most Online

    Newest Member
  • Create New...

Important Information