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@Anonymous wrote:That one is my oldest account, as a loan instalment, and I believe that since it drop it from my credit report, it hsa improved great. My score was always around 541 one and I could never could get up. however, my credit limits on my cards were almost over limit. I have 6 30 late payment in last then one 1 year. Therefore, I believe it would hurt my credit score, eventhough, this account is almost at the end of its 48 months installment. Bamf70, do you think they would accept a GW letter for those 6 late 30 day. It is Chrysler Financial.