I have two older auto loans that I'd love to get out of the "negative" category.
One of them is with "World Omni Financial" which is also known as Southeast Toyota Finance. It was opened in 2012 and closed in Aug 2015 because I traded in the car. I had late payments in 2013 that are still hurting me. I've sent many goodwill letters but it's been a year or so since the last. Keep sending them or should I try something else?
An even older one was with Alphera Financial Services opened in 2009 and closed in 2012. Has 4 late payments spread over 2 years. I've sent goodwill letters years ago so I will start sending those again but anything else?
