It’s a good idea to contact your lender as soon as you see a late payment charge to your account or a ding to your credit score. But there’s no harm in making this request. There aren’t any concrete statistics on the success rate of these letters, and some lenders may be more receptive to it than others. Are Student Loan Goodwill Letters Successful? If the negative mark is removed from your report, your credit should rebound as if the payment had never been missed at all. The purpose of the letter is to request the lender remove the overdue payment on your credit report as an act of goodwill. You can write these letters for any loan or line of credit, including a mortgage, auto loan or student loan. A goodwill letter is a notice you write to your lender regarding a late payment that has been reported to the credit bureaus and shows up on your credit report.
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