Help Trying To Remove Charge Offs From Credit Reports

[improvedcredit]

I just went over my CR and it looks like Toyota is still accepting payments for this loan, but the odd thing is that I have a payment arrangement setup with a CA for this. How can this be?

Recent Balance: 17424 as of 8/2011

Recent Payment: 100

Last Reported: 8/2011

[MarineVietVet]

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@improvedcredit wrote:

I just went over my CR and it looks like Toyota is still accepting payments for this loan, but the odd thing is that I have a payment arrangement setup with a CA for this. How can this be?

Recent Balance: 17424 as of 8/2011

Recent Payment: 100

Last Reported: 8/2011

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It could be that the CA is collecting the payments on behalf of Toyota. But I'm not saying that is a fact.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[improvedcredit]

Can you recommend any good GW letters I can use as a template?

[llecs]

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

Examples aplenty! BTW, they aren't apt to accept a GW since it isn't paid off. Whatever they say, continue to make those payments via the CA as agreed. Once you have 100% saved up to pay it off, then a PFD would be in order.