How to Write a Goodwill Letter to TD Bank
A TD Bank goodwill letter is a polite written request asking TD Bank to remove an isolated late payment from your Equifax, Experian, and TransUnion credit reports as a one-time courtesy. Before you send it, know that 'TD Bank' is actually two separate operations for correspondence purposes: TD Card Services handles TD's own Visa cards (TD Cash, TD Clear, TD Double Up, TD First Class), while TD Retail Card Services handles store and private-label cards financed through TD. They use different addresses, and mailing the wrong one delays your request by weeks. This guide covers which address applies to your card, why TD publishes no goodwill fax number, and what to write.
About requesting a goodwill adjustment from TD Bank
TD Bank is the U.S. retail banking arm of Toronto-Dominion Bank, offering deposit accounts, credit cards, and consumer lending along the East Coast. It also issues co-branded retail cards through TD Retail Card Services, which report separately from TD's own bank cards.
How TD Bank accounts report to the bureaus
- Revolving TD Bank credit-card tradelines
- Retail partner cards reported through TD Retail Card Services
- Personal and home-equity loan accounts
What actually matters when you dispute with TD Bank
- Determine whether the tradeline is a TD Bank card or a TD Retail Card Services account — they use different correspondence channels.
- TD's retail card programs are tied to specific merchants, so include the merchant name as well as the account number.
- Overdraft or deposit-account balances that went to collection are handled by a different unit than credit-card reporting.
What a response from TD Bank usually looks like
Expect roughly 30 to 60 days for a written reply, with bureau updates following at the next monthly cycle.
Where to send this letter
TD Bank, N.A.Credit Card Services
P.O. Box 84037
Columbus, GA 31908-4037
TD Bank consumer credit card (TD Cash, TD Clear, TD Double Up, TD First Class) billing-rights correspondence. IMPORTANT: if your card is a TD-financed store or private-label card, credit bureau disputes must instead go to TD Retail Card Services, Attn: Credit Dispute, PO Box 100270, Columbia, SC 29202-3270 — TD states disputes sent elsewhere may be delayed. TD does not publish a fax line for goodwill or credit-report disputes.
Where to send a TD Bank goodwill letter (and why there is no fax number)
If you hold a TD Bank Visa — TD Cash, TD Clear, TD Double Up, or TD First Class — send goodwill and billing-rights correspondence to TD Card Services, P.O. Box 84037, Columbus, GA 31908-4037. This is the address TD's own cardholder agreement directs customers to for written correspondence, and it is not the payment address. If your card is a store or private-label card financed through TD, credit bureau disputes go instead to TD Retail Card Services, Attn: Credit Dispute, PO Box 100270, Columbia, SC 29202-3270. TD states plainly that disputes not sent to that specific address may be delayed, so check which entity issued your card before mailing.
TD Bank does not publish a fax number for goodwill requests or credit-report disputes. Numbers in the 856-533-11xx range circulate widely because TD phone representatives have handed them out, but they are not published dispute lines and at least one has been reported by customers as unreachable. A separate fax number appears on TD's transaction billing dispute form, but that queue handles disputed charges — not goodwill adjustments or credit reporting — so faxing there will not get your late payment reviewed. Mail is the reliable channel.
Send your letter via USPS Certified Mail with Return Receipt. The dated green card is your proof of delivery, which matters if TD later claims it never received the request. Lead with the account's last four digits, the exact month of the late payment, and one honest sentence about the hardship behind it — then confirm the account is now current and ask for the late to be removed as a goodwill adjustment. Keep FCRA and Section 609 citations out of a goodwill letter; legal language routes it to a dispute-verification queue instead of a discretionary review.
Step-by-step: sending a Goodwill Letter to TD Bank
- 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
Is there a TD Bank fax number for a goodwill letter?
No. TD Bank does not publish a fax line for goodwill requests or credit-report disputes. Fax numbers in the 856-533-11xx range circulate online because TD phone agents have given them out, but they are unverified and customers have reported them not answering. The fax number on TD's transaction billing dispute form serves a different department that handles disputed charges, not goodwill adjustments. Mail your goodwill letter certified instead.
What is the TD Bank goodwill letter address?
For TD Bank Visa cards (TD Cash, TD Clear, TD Double Up, TD First Class), write to TD Card Services, P.O. Box 84037, Columbus, GA 31908-4037. For store or private-label cards financed through TD, credit bureau disputes go to TD Retail Card Services, Attn: Credit Dispute, PO Box 100270, Columbia, SC 29202-3270. Always confirm against the back of your most recent statement before mailing.
Does TD Bank remove late payments with a goodwill letter?
TD Bank 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 sent about 45 days after the first.
How long does TD Bank take to respond to a goodwill request?
Expect 30–60 days, and sometimes no written response at all. For credit bureau disputes sent to TD Retail Card Services, TD commits to responding within 30 days. If the late simply disappears from your reports at the next monthly update, that is your confirmation it worked.