I'm new to the board and today I had my first success, albeit a small one. In short, I held an auto loan with Santander USA for about 2 years. Never had a late payment. Traded the car in last May, but the dealership took 5 months to pay the car off. They were making the monthly payments, but paid 30 late in July. Called Santander to explain the situation and the rep agreed to have the late payment changed on my CRs. He submitted the change to the CRAs today and is mailing a confirmation to me.
Hope to see the correction within next 30 days. Now there are just 2 other baddies to resolve. Thanks for the inspiration!!!
Starting Score (3/20/11):EQ: 616 TU:636: EX: 697
Current Score (11/16/23):EQ: 802 TU:769: EX: 757
AMEX BCP - $18K | AMEX Platinum - NPSL | AMEX Rose Gold - NPSL | Chase Sapphire Reserve - $22.9K | Citi AAdvantage Executive World Elite - $15.6K | Apple Card - $6K | Discover It - $18.1K | BofA Premium Rewards - $11.9K | X1 - $12.5K | Cap1 Quicksilver - $4.8K | CareCredit - $15K | AMEX Business Plus - $20.9K | AMEX Business Platinum - NPSL | Chase Ink Business Unlimited - $11.5K | USBank Business Triple Cash Rewards - $3K
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
