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This account happened in 04 could someone let me know if I should send this out or just leave it alone? Please critique. Thanks.
Dear AmeriCredit,
In 2002 I opened my auto account with you and we had a good relationship until 6/2004 when I traded in my vehicle for a new one. At that time I was told that the monies would be dispersed in time so that I would not incur any late or negative impact on credit. Unfortunately it didn’t happen that way as it seems by my recent look at my credit report shows a 30 days past due, had I know this was going to happen I would have made the payment and not relied on them.
Right now I am trying to purchase a house and I am having some difficulties and one of them is due to the late on my account with you.
I am kindly hoping due to the date and the circumstance involved you would consider updating my credit reports to show paid as agreed instead of 30 days late as a gesture of goodwill. This kind act would be sincerely appreciated and also an invaluable gift to my family and I. Thank you very much in this matter and I hope to hear from you soon.
mystikal1 wrote:
Thanks. What do I have to lose except a couple of stamps. Are you saying derogs over 5 years have little to no impact?Message Edited by mystikal1 on 04-29-2009 11:43 AM
Actually after 2 yrs, the damaging effect of a 30 or 60 day diminishes to nil. However, 90 days and worse continue to impact the score through 7 yrs.
I'd say go for it if it means having a cleaner looking report.