Our content is free because we earn a commission when you click or make a purchase from links on our site. Learn more about how we make money.


Negotiate A Complete Removal

Use this letter in attempting to negotiate a complete removal or PAID AS AGREED on a debt that states CHARGE OFF or SERIOUSLY PAST DUE on your credit report.

Sample Complete Removal Negotiation Letter


  1. Fill in all fields highlighted with your information
  2. If contacting a collection agency, include the original card account number
  3. Include any account number assigned by the collection agency–this number will be on one of your collection letters
  4. Remove highlighting
  5. Copy-paste everything below the dotted line into a new document
  6. Print and sign

[Today’s Date]

[Original creditor name (or name of collection agency if account was sold)
Creditor address
Creditor City, State, ZIP]

RE: [Card name], account # [your card account number]

Dear Customer Relations Manager, [use “To Whom It May Concern” instead if contacting a collections agency],

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in [status of account, example: “charge off,” “seriously past due,” etc.] status. I would like to take care of this matter as soon as possible. Due to [personal details related to cause of late payments, examples: “illness,” “divorce,” etc.], I unfortunately fell behind on my payments and was unable to meet my obligations. However, my situation has since greatly improved, and I am in a position to recompense this debt.

I am willing to pay [creditor’s name] [amount of proposed payments] each month equaling a total of [total they are requesting], provided that the above account is updated on all credit reporting bureaus to reflect paid as agreed (or completely removed upon my final payment.) Please note: I am not agreeing to an updated credit report that states this account as “paid charge off” or something similar, as this will not reflect my sincere desire to restore my good name.

Your written response will serve as an agreement to my proposal, and I will begin payments as soon as practicable thereafter.

Best regards,

[Your Name
Your Address
Your City, STATE ZIP]

If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you.

Disclaimer: These letters are provided for your information only and are not intended to be legal advice. You are responsible for all content and all consequences if you adapt these template letters for your personal use. As with all legal matters, if you have concerns about the potential legal consequences of sending a goodwill letter, you should consult with a licensed attorney.



Meet the Experts

BetterCreditBlog.org’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

Learn More About Our Team