05-30-2012 08:48 PM
05-30-2012 08:53 PM
How long have you had your car payment? No other issues? When do you plan to buy?
See if you can get them to goodwill the late by explaining the circumstances and your situation.
05-30-2012 08:56 PM - edited 05-30-2012 08:57 PM
05-30-2012 09:14 PM - edited 05-30-2012 09:15 PM
Was planning on applying this week but loan officer suggests waiting to see how it will report. As of now, it has not reported... I have one other late in Decemver 2009 and the note was 48 months.
I would go ahead and write a compelling goodwill letter just in case they do decide to report you as paying late. Hang on to it just in case the lates show up. It's possible that they might cut you some slack....
05-30-2012 09:19 PM
05-30-2012 09:20 PM
05-30-2012 09:22 PM
Do you think I should try to email it to someone before reporting even occurs? Or maybe contact the Main branch of the bank?
It might not hurt to be proactive ~ you could call them and inquire about how they report lates.....explain the situation and ask nicely for some goodwill. If that fails then start with the emails and/or letters.
06-02-2012 09:01 PM
06-02-2012 09:10 PM
06-02-2012 09:17 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.