I get asked alot about goodwill requests. This is when a consumer may call a creditor and ask for a courtesy removal of a late reporting. For some reason, this tactic is commonly known to exist and thought to be very effective. I can tell you from professional experience, it is rarely effective.
Goodwill requests are more effective for mildly late accounts such as 30 days late, with a long account history that were isolated incidents. A creditor cannot, by law, report information that is inaccurate, therefore the goodwill request must not admit the late, and it must make the fault of the late payment unclear.
from Qwest Credit Enhancement Blog http://ift.tt/1OmXLOz
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