How to Write a Goodwill Letter to Chase
A Chase goodwill letter is a polite written request asking Chase to remove an isolated late payment from your Equifax, Experian, and TransUnion credit reports as a one-time courtesy. It is not a dispute — it's a humble appeal that works best when the late was a one-off, the account is now current, and you have an otherwise solid payment history with Chase. Chase reports to all three bureaus, so a single removed late can meaningfully lift your score. This guide covers exactly where to mail a Chase goodwill letter, what to say, and how to escalate if your first request is declined.
About requesting a goodwill adjustment from Chase
JPMorgan Chase is the largest bank in the United States and a major issuer of both proprietary and co-branded credit cards, along with auto loans and mortgages. Card accounts report monthly to all three bureaus under the Chase Card Services name.
How Chase accounts report to the bureaus
- Revolving card tradelines, including Sapphire, Freedom, and co-branded airline and hotel cards
- Auto loan installment accounts through Chase Auto
- Mortgage accounts serviced by Chase
What actually matters when you dispute with Chase
- Chase generally does not negotiate deletion as the original creditor; charged-off card balances are usually sold, and the buyer is the party with authority to agree to deletion.
- Keep goodwill requests to one page and specific to a single late payment, with the account number and statement date.
- For mortgage or auto tradelines, dispute through the servicing line that reports the account — card correspondence teams cannot amend them.
What a response from Chase usually looks like
Expect 30 to 60 days. Many goodwill outcomes appear as a quiet tradeline correction at the next reporting cycle without a written reply.
Where to send this letter
Cardmember ServiceP.O. Box 15299
Wilmington, DE 19850-5299
Chase billing-rights / FCRA disputes for credit card accounts.
Removing a late payment from Chase
Chase handles goodwill requests on a case-by-case basis through its Executive Office and credit-bureau dispute teams. Front-line phone agents almost never have authority to make goodwill adjustments, so a written, mailed letter is your most reliable path. Lead with the specific account (last four digits), the exact statement period of the late, and a brief, honest explanation of the hardship — then confirm the account is now current and ask for the late to be removed as a goodwill gesture.
Keep the tone humble and avoid FCRA or Section 609 citations — legal language signals a dispute and routes your letter to a verification queue rather than a goodwill review. If the first letter is declined or ignored, follow up after about 45 days and, if needed, escalate to the Chase Executive Office, which has more discretion than standard card servicing.
Step-by-step: sending a Goodwill Letter to Chase
- 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
What is the Chase goodwill letter address?
Mail goodwill and billing-rights correspondence to Cardmember Service, P.O. Box 15299, Wilmington, DE 19850-5299 — this is the billing-inquiries/disputes address, not the payment address. For escalations, you can also write to the Chase Executive Office. Always confirm against the back of your most recent statement before mailing.
Does Chase remove late payments with a goodwill letter?
Chase does grant goodwill adjustments, but they are discretionary and most common for a single isolated late on an account that is otherwise in good standing and now current. Repeat lates and charged-off accounts are rarely removed. Many people succeed only after a polite second attempt or escalation to the Executive Office.
How long does Chase take to respond to a goodwill request?
Expect 30–60 days, and sometimes no written response at all. If the late simply disappears from your reports at the next monthly update, that confirms it worked. Send a polite follow-up if you hear nothing after about 45 days.
Should I call Chase or mail a goodwill letter?
A mailed letter sent via USPS Certified Mail creates a paper trail and reaches the team that can document the request. Phone agents typically cannot make goodwill adjustments, so use the letter as your primary tool and the phone only to confirm receipt.