03-31-2010 09:57 PM
I sent the following email letter to Santander (formelry Drive Financial) on 03092010
March 9, 2010 Regarding : XXXX Dear Sir or Madam I received the open credit lines from Drive Financial in 2003 that I would like to have revised in my credit files. I have had several months payments reported as late on my credit reports. If you review my file you will see that payments were made to Drive, but there was reportedly some type of internal computer issue when you converted from the old to the new system of billing. My account number changed at that time but I had not been made aware of that change and therefore my payments were not credited correctly, as they were being made. I am therefore requesting a “goodwill adjustment” and a reopening of the accounts and a positive credit rating by revising these two trade lines with an update of the information on all three major credit-reporting organizations. If what I am asking is too much, then any goodwill adjustment to the reporting bureaus would be most appreciated. Regardless of your decision--- thank you for your consideration in reviewing this matter and taking the time to read this letter. Respectfully xxx
I recieved the follwoing response from them 03102010
Please contact Santander Consumer USA Credit Dispute Hotline at 214-237-3430 for further instruction on how to have your credit reporting inaccuracies verified.
today when I updated my credit report they reported 36 months of paid on time payments ! yeah!
04-01-2010 06:39 AM
Wow thats amazing, did you go to their website and used their general email? I've been trying to get some lates removed on behalf of my mother. Thanks! I hope i can find the same success.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.