What is a Goodwill Adjustment Letter? Does it really work?

A goodwill adjustment letter is basically used to remove late payments from your credit report. This letter doesn't always work. But some consumers have been able to use it successfully.

Goodwill letter is normally used to repair your credit report. A borrower may send this letter to the lenders and ask them to remove late payments from his/her credit report. This letter can be used for both federal and private loans.
And yes..it works.