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A goodwill letter is a note written to a creditor that asks for a bad mark on your credit report — typically a late or non-payment — to be removed. Non-payment information on your credit report almost always results in a reduced credit score, but a successful goodwill letter will remove the mark and return your credit score to its prior state.
The CFPB’s rules on prepaid debit cards have changed in a way that force issuers to make rules and fee schedules more transparent.