Without the "goodwill" of a creditor to remove those marks, they remain on your credit report for seven years ... Here’s a sample goodwill letter for missed payments on a credit card.

A 609 dispute letter is a formal way to request more ... bureau to verify the accuracy of items listed on your credit report.

If you need help writing your dispute letters, there are a few consumer ... Getting wrong, negative items removed your credit report — for example, credit card debt you don’t owe — will ...