How to Write a Goodwill Letter to Bank of America
A Bank of America goodwill letter is a polite written request asking Bank of America to remove an isolated late payment from your Equifax, Experian, and TransUnion reports as a one-time courtesy. For credit cards, correspondence routes to Bank of America's card-services team in El Paso, TX — not the branch and not the payment address. After a declined first attempt, Bank of America's Executive Customer Relations team in Newark, DE is the recognized escalation with authority to adjust credit reporting. If you carry a Preferred Rewards relationship (especially Platinum or Platinum Honors), stating your tier up front adds real retention context that discretionary reviewers weigh. This guide covers exactly where to mail your letter, what to say, and how to escalate.
About requesting a goodwill adjustment from Bank of America
Bank of America is one of the largest U.S. consumer banks and card issuers, with a card portfolio that includes its own Cash Rewards and Travel Rewards products plus co-branded partner cards. Card accounts report monthly to all three bureaus.
How Bank of America accounts report to the bureaus
- Revolving credit-card tradelines
- Auto loan and personal line-of-credit accounts
- Mortgage and home-equity accounts
What actually matters when you dispute with Bank of America
- Goodwill requests should go to the card correspondence address printed on your statement, not to a branch — branch staff cannot amend bureau reporting.
- Bank of America sells charged-off card debt, so a collection tradeline from a debt buyer may accompany the original charge-off.
- Include a copy of the statement page showing the disputed month; it materially speeds up matching.
What a response from Bank of America usually looks like
Typically 30 to 60 days, with corrections often appearing at the next monthly bureau update.
Where to send this letter
Bank of AmericaP.O. Box 982234
El Paso, TX 79998-2234
Bank of America credit card billing-rights / FCRA disputes.
Step-by-step: sending a Goodwill Letter to Bank of America
- Confirm the account is current and the late payment was an isolated event.
- Generate your personalized goodwill letter using the form below.
- Mail the letter via USPS Certified Mail with Return Receipt.
- Wait 30–45 days for a response, then check your credit reports.
What to expect
No guaranteed response — typical replies in 30–60 days, often none at all.
Goodwill adjustments are voluntary. Creditors are not required to respond, and many won't. Plan to send follow-ups (sometimes escalated to executive customer service) and treat each attempt as one shot among several.
Frequently asked questions
Do goodwill letters actually work?
Yes — for isolated late payments on accounts in good standing, success rates are reasonable. They almost never work on charge-offs or repeat lates.
How many goodwill letters can I send?
There is no legal limit. Many people see results only after the second or third attempt, sometimes escalated to executive customer service.
Should I admit fault in a goodwill letter?
Briefly, yes. A short, honest explanation of the hardship works better than excuses or legal threats. The tone is a humble request, not a dispute.
Can I fax a goodwill letter instead of mailing it?
Sometimes. Most creditors don't publish a dedicated fax line for goodwill or dispute correspondence, so mailing is the reliable route. If your statement or the creditor's website lists a billing-inquiries fax number, faxing can be faster — but certified mail gives you a dated return receipt proving the creditor received it. Keep a copy of whatever you send.