Real estate agent, age 52 · Phoenix, AZ · 11 weeks
Phoenix Realtor Removed 4 Late Payments Through Goodwill — Score +62 Points
Four 30-day lates on aged accounts removed via creditor-specific goodwill outreach.
Late payments on file
40
Mid-score
698760
Challenge
Four late payments from a single month of cash-flow disruption damaged her 100% payment history streak. Score fell from 762 to 698.
Approach
- 01Identified accounts in good standing for 5+ years pre-incident.
- 02Drafted creditor-specific goodwill letters with context and remediation evidence.
- 03Sent follow-ups at 14, 30, and 45 days where no response received.
Outcome
All 4 lates removed within 11 weeks. Score recovered to 760.
FAQs
Do goodwill letters always work?
No — they are discretionary. Success rates are highest on long-standing accounts in good standing with a clear one-off cause.
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