Late payments can damage your credit, especially if you stop paying your loans or credit cards for an extended period of time. And while we usually tell you that there are no shortcuts when it comes to repairing your credit, there are a few legitimate actions you can take to improve your score more quickly. Let’s take a look at one of them: writing a goodwill letter.What is a goodwill letter? A goodwill letter is a simple way to restore your credit to good standing by requesting that a lender or servicer erase a late payment on your credit report. They can be effectively used for both federal and private loans as well as credit cards and accounts with just about any financial institution.You
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