Late pays

[Anonymous]

I have some late pays from 2012 when I wrecked my vehicle. Insurance didn't cover the entire outstanding balance, so on top of the payment for the new car, I had to pay off the old loan balance which took several months. I noticed that that time period is reported as late pays. Is there any chance of contacting them and having those late pays removed via a GW letter? I'm working at fixing my credit so we can buy a home in the near future. I'm tired of living the apartment life. Thats just one issue I need to work on...

Norm

[myjourney]

Welcome to  the forum 

Yes many have success with GW's 

Were they in fact late or is this an reporting error?

[Anonymous]

Technically, yes, they were late pays, because with the new loan (and different loan company) I could not afford to send them the normal payment amounts. The amount was not huge, about $700 (2 1/2 regular payments), but I had to work at it for about 4-5 months to finally pay it off. I'm not even sure how bad these are hurting my score being 2 years old.
Would have been nice if they would have rolled it into the new loan, but for some reason they would not do that. I don't recall why.