Collection accounts might damage your credit score if they are left on your credit history because they are difficult to get rid of. However, you can write a goodwill letter, explain your situation, and try to remove them from your report. Here’s how to write a convincing collections goodwill letter.
From {your name/address/date}
To Whom It May Concern
I’m contacting you today in regard to my account {number of accounts}.
Due to {explain your situation} in {Year} collection for {amount of money} was sent to your agency. While I always make every attempt to pay off my debts and fulfill my financial obligations, I was sadly unable to do so in this case due to the circumstances.
Since then, I’ve recovered financially and paid your organization back for the debt. I want to apply for a credit card but am having trouble doing so because my bank won’t approve me due to a collection on my account.
I kindly ask your organization to take into consideration erasing this collection from my report as a gesture of goodwill, given the date and sum of this collection. I understand that the request is special and that it may not conform to standard business practice, but it would significantly improve my life.
Sincerely, {your name}
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