So, I had a VW credit loan for several years and was always current, until about 3 years in when I was silly and thought I was going to sell it and instead stopped making payments then changed my mind --started making payments, again, etc.
Long story short, I have a lot of 30 days, 60 days late and then finally, someone totalled my car and I paid it off via insurance. So, now I have this 20,000 loan that was paid in full, but had a lot of lates....so do I:
1. GW letter asking for the lates to be removed (car was paid off in full in 2006--but it's definitely referenced as being paid off my insurance)---there are a lot of lates
2. Find something factually incorrect on the reporting, which I could probably see with the lates and everything and insist they delete the tradeline altogether (am afraid that I will lose points this way because it was a significant amount of credit)