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Established Contributor
SwiftTone
Posts: 984
Registered: ‎02-27-2012

GW for string of lates to my old employer

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‎03-29-2012 08:24 AM

Hey everyone, I just wanted to get an idea of how to tackle a string of lates with GW letters.

 

Back in 2009 I had a string of 30 and 60 day lates on my auto loan through Toyota. In total, I have 5 30 day lates and 4 60 day lates. The reason being that I lost my job the day before xmas 2008. After depleting my savings, I started making late payments(or lack of) from March to December. The ironic thing is that before I lost my job, I worked for a Toyota dealership.

 

Anyways, I was wondering how I should tackle getting this off of my CR. I think this string of lates is by far hurting me the most . If I get this off of my CR, then I will only have 2 other unrelated 30 day lates.

 

Should I attempt to get them to remove all the baddies in one letter? Should I mention that I used to be an employee?

 

Give me some ideas please! Thanks a bunch :smileyhappy:

BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
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Established Contributor
SwiftTone
Posts: 984
Registered: ‎02-27-2012

Re: GW for string of lates to my old employer

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‎03-29-2012 08:34 AM

Forgot to add, this loan is now paid in full. It never went into collections/repo. Just paid it off in Dec/Jan.

 

I understand a Toyota Dealership and Toyota is different. But they are somewhat connected, Just want to know if I can use this as a boost.

BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
Message 2 of 3 (99 Views)
 
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Established Contributor
SwiftTone
Posts: 984
Registered: ‎02-27-2012

Re: GW for string of lates to my old employer

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‎04-02-2012 07:21 AM

No one??

BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
Message 3 of 3 (64 Views)
 
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