Document background
The Goodwill Credit Removal Letter is utilized when an individual seeks to have negative but accurate information removed from their credit report through an appeal to the creditor's goodwill. This document is particularly relevant when the negative entry resulted from extraordinary circumstances or when the individual has since maintained a good payment history. Under English and Welsh law, while creditors are not obligated to remove accurate information, they may choose to do so as a gesture of goodwill. The letter should detail the specific circumstances, demonstrate current creditworthiness, and comply with UK consumer credit and data protection regulations.
