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Payment history letter
February 16, 2019 Anniversary Wishes 1 comment

A goodwill letter can help you get an uncharacteristic slip-up removed But if you're a responsible borrower who once missed a payment due to a “If you've got a really spotty credit history where you missed a month here.

Folks can experience financial problems at any time — problems that muck up their credit reports and hamper their access to new credit. However, knowing how to write a letter of explanation for credit problems and attaching it to a credit application can make a big difference.

Many lenders will go the extra mile to accommodate consumers that can explain past problems and offer assurances that the problems have been remedied. But first, it’ll be a good idea to check and see whether you have bad credit at all. When’s the last time you checked your credit score?

Keeping up with your credit score is important, not only as a general rule of thumb but because mistakes can and do happen. Your score may be weighed down by an errant account on your report that may belong to someone with a similar name or other simple errors.  Check with each of the three major bureaus to get a complete view of your financial profile, as the information reported to each bureau by creditors may vary.

Do’s and Don’ts | Sample Letters | Professional Help

To be effective, a good letter of explanation needs to observe certain rules:

Be Honest

The letter must be true — don’t over-exaggerate or lie. Simply state the facts, including your understanding at the time, the roles others played and, ultimately, why you were unable to pay your bills on time. Additionally, be sure to write the letter yourself; letters written by your loan officer or another party will hold less weight than one written by you.

Take Ownership

To the extent that you were at fault, own up to your mistakes. If you truly were innocent or victimized, describe what steps you took and to whom you reported the incident.

At the same time, don’t wax poetic or hop onto your soap box; keep your explanation short and sweet, without a long, drawn out story you hope will garner sympathy.

Don’t Blame the Creditor

Blaming your creditor is a very bad idea, since you are trying to arrange credit from, well, a creditor. They will have little patience for a person who trashes one or more previous creditors.

Include Documentation

Show receipts, letters, insurance policies, contracts and any other documents that will shed light on the problem and support your claims. Always send copies — keep the originals in a safe place.

Promise to Avoid Further Problems

To the extent you made avoidable mistakes, promise to never repeat them again. Additionally, demonstrate to your new creditor the lessons you learned — and the concrete steps you’ve taken to prevent problems from occurring again.

Here is a sample letter you can use as the starting point for the one you create:

To Whom It May Concern:

I am sending you this letter and the attached documents to explain my late medical bill payments to XXXXX Hospital. This applies to late payments dated 5/1 to 6/15, 2012 for a balance of $45,971.

When this situation occurred, I found myself with a serious health challenge and inadequate health insurance. At the time, I worked for [company] and suffered a heart attack. Unfortunately, I had a pre-existing heart condition and the health insurer, XYZ Health Insurance, denied my claims for surgery and care related to the heart attack.

The illness drained most of my savings, and I was unable to pay my medical bills on time. The hospital graciously worked out a repayment plan with me, and I have not missed a monthly payment since we reached agreement.

I have taken the following steps to avoid this problem from ever happening again:

I have purchased health insurance policy through an Affordable Care Act marketplace that covers all pre-existing conditions. Please see the attached copy of the policy, which covers 80 percent of all costs.

I have opened and funded a Health Savings Account to help pay for my portion of future medical bills. Attached is a statement showing contributions to the HSA.

I have lost 150 pounds (please see before and after photographs), changed my eating habits and work out every day in the gym. My blood pressure is excellent, and I am in the best health of my life.

I have always taken great pride in my financial responsibility and hope you agree that I have executed the steps necessary to avoid a recurrence of this unfortunate incident. I hope you will approve my credit application, and I will be happy to provide any further information.

Sincerely,
[Your Signature]

You can always go the easy route and have someone do it for you, like a credit repair service that will also help to get your finances and credit back on track. Lexington Law is available to take your call, and, on average, their past clients have seen 10.2 negative items removed from their credit reports in four months.

Better Business BureauIn Business SinceMonthly CostReputation Score
See BBB Listing2004$89.9510/10

All consultations are free and there’s never any obligation. Good luck!

Remove late payments from your credit report with these 3 easy methods. are happy to grant “goodwill adjustments” if your previous payment history is relatively good and .. You send the goodwill letter to the creditor, not the credit agency.

Rental Reference Letter

payment history letter

Ways to Get Transcripts

You may register to use Get Transcript Onlineto view, print, or download all transcript types listed below. 

If you're unable to register or you prefer not to use Get Transcript Online, you may order a tax return transcriptand/or a tax account transcript using Get Transcript by Mailor call 800-908-9946. Please allow 5 to 10 calendar days for delivery.

You may also request any transcript type listed below by faxing/mailing Form 4506-T, Request for Transcript of Tax Returnas instructed on the form.

Transcript Types

We offer the following transcript types at no charge to you: 

  • Tax Return Transcript - shows most line items including your adjusted gross income (AGI) from your original tax return (Form 1040, 1040A or 1040EZ) as filed, along with any forms and schedules. It doesn’t show changes made after you filed your original return. This transcript is only available for the current tax year and returns processed during the prior three years. A tax return transcript usually meets the needs of lending institutions offering mortgages and student loans. Note: the secondary spouse on a joint return must use Get Transcript Online or Form 4506-T to request this transcript type. When using Get Transcript by Mail or phone, the primary taxpayer on the return must make the request.  
  • Tax Account Transcript - shows basic data such as return type, marital status, adjusted gross income, taxable income and all payment types. It also shows changes made after you filed your original return. This transcript is available for the current tax year and up to 10 prior years using Get Transcript Online or Form 4506-T. When using Get Transcript by Mail or phone, you’re limited to the current tax year and returns processed during the prior three years. Note: If you made estimated tax payments and/or applied an overpayment from a prior year return, you can request this transcript type a few weeks after the beginning of the calendar year to confirm your payments prior to filing your tax return.
  • Record of Account Transcript - combines the tax return and tax account transcripts above into one complete transcript. This transcript is available for the current tax year and returns processed during the prior three years using Get Transcript Online or Form 4506-T.
  • Wage and Income Transcript - shows data from information returns we receive such as Forms W-2, 1099, 1098 and Form 5498, IRA Contribution Information. Current tax year information may not be complete until July. This transcript is available for up to 10 prior years using Get Transcript Online or Form 4506-T.
  • Verification of Non-filing Letter - provides proof that the IRS has no record of a filed Form 1040, 1040A or 1040EZ for the year you requested. It doesn't indicate whether you were required to file a return for that year. This letter is available after June 15 for the current tax year or anytime for the prior three tax years using Get Transcript Online or Form 4506-T. You must use Form 4506-T if you need a letter for tax years older than the prior three years.

Note: A transcript can show return and/or account data. It also can show changes or transactions made after you filed your original return. Transaction codes consist of three digits. They are used to identify a transaction being processed and to maintain a history of actions posted to a taxpayer’s account. For further information regarding transaction codes, please see Document 11734 - Transaction Code Pocket Guide (PDF).

Note: A transcript isn’t a photocopy of your return. If you need a copy of your original return, complete and mail Form 4506, Request for Copy of Tax Return, along with the applicable fee.

Refer to Get Transcript frequently asked questions for more information.

Back to Get Transcript home page

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How to Write a Rental Reference Letter (Templates)

payment history letter

When it comes to securing an apartment, having good references can make or break it. Landlords and property managers consider rental reference letters a part of the prospective tenant’s background check. Whether you are applying for an apartment yourself, or have been asked to be a rental referral, it’s important that you know how to write a quick and impactful rental reference letter.

What is a rental reference letter

A rental reference letter is a document written to a potential landlord by a previous or current landlord, property manager, supervisor, colleague, mentor or roommate. Furthermore, it is designed to confirm that a prospective tenant is a responsible, reliable, financially stable individual. It should confirm that they can adhere to rules and regulations, respect deadlines, pay rent on time, and keep a rental property in good condition.

How to write a rental reference letter

The content of a rental reference letter will vary depending on who writes it. For instance, landlord reference letters tend to be shorter and more concise. They should contain factual information about a potential tenant’s rental history, timeliness of rent payments, and any outstanding disputes or obligations. On the other hand, when it comes to a letter written by supervisors, colleagues or friends, they are more of a character reference than anything else.

Follow these simple tips when writing this letter:

  1. Keep it short and only reference information relevant for an apartment application. If you are a landlord or property manager, outline your rental history and your experience with the tenant. For example, talk about their stability, cleanliness and the condition in which they left the rental property. If you are a friend, manager or colleague, describe situations in which the potential tenant acted as a responsible person. For instance, mention time when they fulfilled their financial or professional obligations in a timely manner. You want to make them sound trustworthy and reliable. It’s especially important to include these details if the person you are writing the rental reference letter for has bad credit. Your reference might play a crucial role in helping this person secure an apartment.
  2. Be honest and accountable. Tell the truth and be ready to support your claims with evidence if needed.
  3. Keep emotions at bay. Above all, you want to sound professional and unbiased. Even if you want the world to know how awesome your roommate is, you have to keep your emotions to yourself and stick to the facts. The only thing that’s worse than a negative reference is an obviously biased one. If you are a landlord and you have something negative to say, describe the situation as factual as possible. In other words, reference letters are not a place to express anger or resentment.
  4. Keep it structured. To avoid writing too much or too little, stick to the following structure: your name and contact information, addressee or “to whom it may concern”, greeting, introduction, body of the letter, conclusion, sign off, signature.

Rental reference letter template from an employer or a supervisor

[Your Name]
[Company name]

[Your phone number]
[Your email address] (optional)
[Your Current Address]
[City, State, Zip Code]

[Landlord’s Name Or Apartment Company’s Name] (optional)
[Landlord’s Address]  (optional)
[City, State, Zip Code]  (optional)

Re: Rental reference letter for [lessee’s name]

Dear [Landlord’s name/Property Manager’s name/Apartment Manager’s name] or To whom it may concern,

I am writing to you with regards to [Lessee’s Name] and [his/her] credibility as a potential tenant at your rental property. I am [title/position] at [company name] where [lessee’s name] is currently employed, and act as [his/her] supervisor.

[Lessee’s name] has been employed with [Company name] for the past [Time Frame] and I have known [him/her] for [Time Frame]. I am writing to confirm that [Lessee’s name] is in good standing with [Company Name], and has a stable job and income. Consequently, [Lessee’s name]’s earning are sufficient to provide for [his/her] needs.

It is without hesitation that I write this letter of recommendation for [Lessee’s Name]. [He/She] continuously demonstrates responsibility and accountability, and performs required tasks on time. [He/She] is trustworthy and honest. [Optional: Add an example]. Additionally, [Lessee’s Name] hasn’t been involved in any conflicts and demonstrates a high level of emotional intelligence.

Finally, I believe that the above-mentioned qualities will make [Lessee’s name] a good, responsible tenant.

If you have any questions regarding my recommendation, please don’t hesitate to contact me via [Phone and/or Email].

Sincerely,

[Your Name]
[Your Signature]

Rental reference letter template from a colleague

[Your name]
[Company name]
[Your phone number]
[Your email address] (optional)
[Your Current Address]
[City, State, Zip Code]

[Landlord’s Name Or Apartment Company’s Name] (optional)
[Landlord’s Address]  (optional)
[City, State, Zip Code]  (optional)

Re: Rental reference letter for [lessee’s name]

Dear [Landlord’s name/Property Manager’s name/Apartment Manager’s name] or To whom it may concern,

I am writing to you with regards to [Lessee’s Name] and [his/her] credibility as a potential tenant at your rental property. I am [title/position] at [company name] where [lessee’s name] is currently employed, and am [his/her] colleague.

[Lessee’s name] has been employed with [Company name] for the past [Time Frame] and I have known [him/her] for [Time Frame]. I am writing to confirm that [Lessee’s name] is in good standing with [Company Name] and [his/her] colleagues.

It is without hesitation that I write this recommendation letter for [Lessee’s Name]. [He/She] continuously demonstrates responsibility and accountability, and performs required tasks on time. [He/She] is trustworthy and honest, and possesses high levels of integrity and emotional intelligence. [Optional: Add an example]. Additionally, [Lessee’s Name] hasn’t been involved in any conflicts, and is friendly and cooperative.

Finally, I believe that the above-mentioned qualities will make [Lessee’s name] a responsible tenant and a good neighbor.

If you have any questions regarding my recommendation, please don’t hesitate to contact me via [Phone and/or Email].

Sincerely,

[Your Name]
[Your Signature]

Rental reference letter template from a current or former roommate

[Your name]
[Your phone number]
[Your email address] (optional)
[Your Current Address]
[City, State, Zip Code]

[Landlord’s Name Or Apartment Company’s Name] (optional)
[Landlord’s Address]  (optional)
[City, State, Zip Code]  (optional)

Re: Rental reference letter for [lessee’s name]

Dear [Landlord’s name/Property Manager’s name/Apartment Manager’s name] or To whom it may concern,

I am writing to you with regards to [Lessee’s Name] and [his/her] credibility as a potential tenant at your rental property. I am [Lessee’s Name]’s [current/former] roommate and have known [him/her] for the past [Time Frame].

This letter is written with the intention to confirm that [Lessee’s name] is in good standing with [his/her] roommates and is a good tenant. To my knowledge, [Lessee’s name] has always paid her rent on time and performed household chores assigned to [him/her]. Furthermore, [he/she] followed community rules and kept the rental property clean and in a good condition.

It is without hesitation that I write this recommendation letter for [Lessee’s Name]. [He/She] continuously demonstrates responsibility and accountability. [He/She] is trustworthy and honest, and possesses high levels of integrity and emotional intelligence. [Optional: Add an example]. Additionally, [Lessee’s Name] hasn’t been involved in any conflicts with other roommates, is friendly and cooperative.

Finally, I believe that the above-mentioned qualities will make [Lessee’s name] a responsible tenant and a good neighbor.

If you have any questions regarding my recommendation, please don’t hesitate to contact me via [Phone and/or Email].

Sincerely,

[Your Name]
[Your Signature]

Rental reference letter template from a landlord or property manager


[Your name]
[Your phone number]
[Your email address] (optional)
[Your Current Address]
[City, State, Zip Code]

[Landlord’s Name Or Apartment Company’s Name] (optional)
[Landlord’s Address]  (optional)
[City, State, Zip Code]  (optional)

Re: Rental reference letter for [lessee’s name]

Dear [Landlord’s name/Property Manager’s name/Apartment Manager’s name] or To whom it may concern,

I am writing to you with regards to [Lessee’s Name] and [his/her] credibility as a potential tenant at your rental property. I am [Lessee’s Name]’s [current/former] [landlord/property manager] and have known [him/her] for the past [Time Frame].

I confirm that [Lessee’s name] resided at [Address] from [Date] to [Date]. During this rental period, [Lessee’s Name] has always paid rent on time. Furthermore, [he/she] complied with all rules and regulations outlined in the lease and always kept the property clean and in a good condition. We [refunded/are going to refund] [his/her]security deposit in full.

It is without hesitation that I write this recommendation letter for [Lessee’s Name]. [He/She] continuously demonstrates responsibility and accountability. [He/She] is trustworthy and honest tenant, and possesses high levels of integrity and emotional intelligence. Additionally, there were no complaints from [other tenants and/or neighbors].

Finally, I believe that the above-mentioned qualities will make [Lessee’s name] a responsible tenant and a good neighbor.

If you have any questions regarding my recommendation, please feel free to contact me via [Phone and/or Email].

Sincerely,

[Your Name]
[Your Signature]

Remove Late Payments from Your Credit With a Goodwill Letter that you have a strong track record of being reliable and responsible.

Remove Late Payments from Your Credit With a Goodwill Letter

payment history letter

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Late payments on a credit card or other loan can have a widespread financial impact. Beyond triggering late fees and higher APRs, late payments can ding your credit score, affecting your ability to qualify for future loans and secure good interest rates.

One possible solution: You may be able to remove late payments on your credit reports and start to improve your credit with a “goodwill letter.” A goodwill letter won’t always work, but some consumers have reported success.

Really get to know your money

NerdWallet gives you a complete view of your money, bills, debts and spending — all in one place.

What’s a goodwill letter?

In a goodwill letter, you ask the creditor that reported your late payments to remove the black mark from your credit reports.

Maybe you had an unexpected change of circumstances or financial hardship. Whatever the situation, your goal is to explain why you missed your payments and why the creditor should wipe them from the report. (Note: If a credit report incorrectly says that you missed a payment, you should follow the procedures to dispute an error instead of sending a goodwill letter).

Your goal is to explain why you missed your payments and why the creditor should wipe them from the report.

A strong goodwill letter asks the creditor to empathize with you. It’s pleasant and courteous. It shows that you take responsibility for your missed payments and demonstrates that you’ll stay current on your bills in the future.

It helps if you can point to a specific circumstance (for example, you lost your job but have since found a new one) that caused you to slip, or if you can show a recent track record of on-time payments. Keep it short and sweet.

Once you’ve written the letter, send it to your creditor using the address listed on its website or on your credit report. You might have to contact the creditor multiple times, or follow up with a phone call. Persistence may help wear them down.

» MORE: How to read your credit card statement

Sample goodwill letter

Here’s a template goodwill letter for missed payments on a credit card.

[your name]
[your address]
Account Number: [your account number]

[date]

To Whom It May Concern:

Thank you for taking the time to read this letter, and I hope your day is going well. I’m writing because I noticed that my most recent credit report contains [a late payment/late payments] reported on [date(s)] for my [name of account] account.

I want you to know that I understand my financial obligations, and if it weren’t for [circumstance that caused you to miss a payment], I’d have an excellent repayment record. I made a mistake in falling behind, but since then, [description of how your circumstances have changed or how you’ve improved your money management]. Since then, I’ve had a spotless record of on-time payments.

I’m planning to apply for [a mortgage/auto loan/etc.], and it’s come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesn’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [date].

Thank you for your consideration, and I hope you’ll approve my request.

Best,
[your name]

WATCH THE VIDEO ON THEME: How to Remove Late Payments From Credit Report 2019

A goodwill letter is a request to remove a record of late payments from a customer who is now current on the debt. Here is an example letter.

payment history letter
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