Goodwill letters are usually written to a bank or your lender to remove a slipup in your credit report and it is used to remove a missed payment .
This action is known as goodwill adjustment so if your credit history is clean save one goodwill letter to wipe out a single missed payment however it is not mandatory for your lender to accept your goodwill letter as they are not obliged to accept it they can either accept or refuse depending on your credit history .
