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[Music] hi there Im Michael Bovee with consumer recovery Network thanks for tuning into our youtube channel today I want to talk about what goodwill deletion letters or goodwill requests are and when you might try to make one and what your realistic expectations for success really are so in a goodwill letter the context of one is often enough going to be somebody thats had a difficulty and making a bill payment on time and maybe you only relate 30 to 60 days and you were able to catch up and pay it or it was a situation that was out of your control and I mean Ive seen people need to write goodwill deletion letters for credit reporting purposes for the late pays and whatnot after a very critical accident and they were hospitalized and then their bills were paid and things are just absolutely legitimate and Ive seen banks just go so I fear luck and then Ive seen instances where somebody you know really is a there was no incident per se for like excusable neglect or anything for miss