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30 day goodwill letter actually unstuck my old late payment
Had a 90 day late from 2019 on my car loan that kept my score around 640 no matter what I did. Tried disputing with TransUnion three times, got the same generic response each month. Finally found a goodwill letter template on a credit forum and sent it directly to the lender's CEO office in Columbus, Ohio with proof of my last 18 on time payments. They removed it in about 2 weeks and my FICO jumped to 705. Has anyone else had luck with goodwill letters for smaller banks, or is this mostly a credit union thing?
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