FMC Ding

[TacklingDebt]

I have one ding of a Ford car a few years back. How long does it take for 30, 60 or 90 day dings to fall off?

I'm not even going to try a GW letter seeing how older post say they won't budge.

Date Opened:	12/01/2007	Balance:	$0
Date Reported:	01/01/2010	Amount Past Due:
Date of Last Payment:	01/2010

Date Closed:	01/2010	Type of Loan:	Auto Lease
Date of First Delinquency:	01/2010

[aurelie00]

It's not going to fall off of your report until 2017.  What is the ding?  30, 60, or 90?  A 90 will effect your score for the full 7 years, since it's a major derog.  I'd say it's definitely worth the GW.

[TacklingDebt]

There is no such thing as a GW for FMC unfortunately...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Does-Ford-Credit-Accept-GW/m-p/276336#M12606

[aurelie00]

Eh, yeah, I suppose it doesn't look promising based on that thread...but what hurt does it cause to try?  That thread is 5 years old. 

[TacklingDebt]

BUMP