There are a number of tools available to consumers that can be used to remove derogatory credit items from a credit report.  One such tool is the goodwill deletion letter.  The goodwill deletion letter is a simple request to a creditor such as a credit card company or auto lender or bank that request the creditor remove a negative reference regarding an individual credit history as a matter of good will.  Unlike a pay for delete letter, in which the request to delete a derogatory account … [Read more...]