A Goodwill Letter to Remove Hard Inquiries is a specialized document used when an individual seeks to have a hard credit inquiry removed from their credit report through an appeal to the creditor's or credit bureau's goodwill. This type of letter is particularly relevant in the Canadian credit system, where hard inquiries can impact credit scores for up to 3 years. The letter is typically used when the inquiry was legitimate but the consumer has special circumstances or a strong relationship with the creditor that might warrant reconsideration. It includes detailed information about the specific inquiry, the consumer's relationship with the creditor, and any mitigating circumstances. While not guaranteed to succeed, these letters are an established practice in Canadian consumer credit relations, operating within the framework of federal and provincial consumer protection laws.
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1. Sender's Contact Information: Full name, address, phone number, and email of the person sending the letter
2. Date: Current date of writing the letter
3. Recipient's Information: Name and address of the credit bureau or creditor, including specific department if applicable
4. Subject Line: Clear indication that this is a Goodwill Letter regarding hard inquiry removal
5. Greeting: Professional salutation to the recipient
6. Account Identification: Relevant account numbers and personal identification information
7. Inquiry Details: Specific information about the hard inquiry being disputed, including date and creditor name
8. Request Statement: Clear and polite request for removal of the hard inquiry
9. Closing: Professional closing with signature block
1. Explanation of Circumstances: Detailed explanation of why the hard inquiry occurred and any special circumstances - include if there were unusual circumstances or errors
2. Good Customer History: Brief overview of positive payment history or length of relationship - include if you have a strong history with the creditor
3. Impact Statement: Description of how the hard inquiry is affecting your credit score - include if the impact is particularly significant
4. Future Business Statement: Expression of interest in future business relationship - include if you plan to continue doing business with the creditor
1. Credit Report Copy: Copy of credit report showing the hard inquiry in question
2. Supporting Documentation: Any relevant documents supporting your case (e.g., proof of error, identity theft documentation)
3. Payment History Records: Documentation of good payment history with the creditor, if applicable
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