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Here's my situation. January 2009, I opened a auto loan for the amount of $10,000 with fireside bank to purchase a truck. I still currently have 2 years left on this loan and owe approximently $4,500.
Now about two months ago I was offered a new well paying job. I took it, but have to commute. I just bought another car, paid in full. I just couldn't' afford to commute in a truck.
Now, the truck is for sale, and I hope to have it sold within the next month. In the mean time, I'm doing all that I can to pay the remaining balance.
My question is, fireside apparently is closing down and is selling to Unitrin. I have a 30 day past due in January/October 2009. I would like to have these negatives removed, but whats the best possiable way to go about this? A goodwill letter while the loan is still active? I have been ontime since 2009, and just recently devoted putting whatever I could afford to paying this loan off.
GW.