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!
Starting Score: 478
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