Get Help With Bad Credit and Financial Hardships

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.

Credit bureaus