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Get Help With Bad Credit and Financial Hardships

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Learn about dealing with credit report errors, fixing bad credit, overcoming financial hardship and more. We hope what you find will help you get back on the path to good credit management and an improved credit history.

Late payments and goodwill adjustments

Maybe paying bills has been difficult or you’re looking for information on fixing bad credit. We know financial stress can be tough. And we want to help.

If you have one late payment or some other negative mark on your credit report, you may have heard that a goodwill credit adjustment (or simply goodwill adjustment) can quickly fix bad credit. We’re required to report complete and accurate information, and that’s why we aren’t able to honor requests for goodwill adjustments. The best way to address negative credit history is to rebuild your credit by moving forward and establishing a solid history of on-time payments.

Credit report errors

If you’ve reviewed your credit report and believe it contains credit report errors, gather any documentation that explains your situation and send copies (with cover letters that include your name, the account in question and the problem) to the 3 credit bureaus—Experian layer, Equifax layer and TransUnion layer. You can also call them directly. Make sure you have a copy of your credit report with you when you call.

Financial stress: We're here to help


Home loans
Call 800.720.3758
Mon–Fri 8 a.m.–11 p.m. ET
Sat–Sun 9 a.m.–8 p.m. ET
Visit our home loan assistance page


Credit cards and other loans
Call 866.635.4314
Mon–Fri 8 a.m.–10 p.m. ET
Sat 8 a.m.–5 p.m. ET
Visit our credit card assistance page

Credit bureaus

Credit bureauSend your dispute letter to:Or call (make sure you have a copy
of your report with you):
Experian layerPO Box 2104, Allen, TX 75013888.397.3742
Equifax layerPO Box 740241, Atlanta, GA 30374800.465.7166
TransUnion layerPO Box 2000, Chester, PA 19022800.916.8800

goodwill credit adjustment

A goodwill credit adjustment is a request to remove valid delinquencies or otherwise negative payment history from a credit report