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What are the odds?

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Mgilbert8605
Regular Contributor

What are the odds?

I have an auto loan that I paid in full in 2010 but it has several late payments all the way up to 120 days late. I want to purchase a new car soon but it's hurting my auto enhanced fico score. Does anyone think there's a chance that I could GW them for early deletion even though the account just closed in 2010? The 2 auto loans I've had since then have perfect payment history.
Message 1 of 6
5 REPLIES 5
gdale6
Moderator Emeritus

Re: What are the odds?


@Mgilbert8605 wrote:
I have an auto loan that I paid in full in 2010 but it has several late payments all the way up to 120 days late. I want to purchase a new car soon but it's hurting my auto enhanced fico score. Does anyone think there's a chance that I could GW them for early deletion even though the account just closed in 2010? The 2 auto loans I've had since then have perfect payment history.

Never hurts to ask you may be surprised. Only the lates 90 days or more would be hurting you scorewise now.

Message 2 of 6
Mgilbert8605
Regular Contributor

Re: What are the odds?

It's somewhere around ten 90-120 day lates unfortunately. I was just wondering if people have had any luck getting negative trade lines deleted this early.
Message 3 of 6
NWintellectual
Regular Contributor

Re: What are the odds?


@Mgilbert8605 wrote:
It's somewhere around ten 90-120 day lates unfortunately. I was just wondering if people have had any luck getting negative trade lines deleted this early.

Who was the lender? If it was Santander, forget about it, they don't remove nothing.

Starting Score (2/15/14): TU 533 (myFICO) | EQ 509 (myFICO)
Latest score (4/5/14): TU 541 (Lender) | EQ 562 (SW) | EX 576 (myFICO)
Goal Score by 9/30/14: 620+ | Goal Score by 6/30/15: 700+
-----
My wallet:
US Bank LanPass Secured $500 | US Bank HD Secured $300 | Fingerhut $200 | Local CU $1000
Message 4 of 6
polno1234
Contributor

Re: What are the odds?

you dont want to get the TL deleted. that would definatley hurt your score. as stated above try to gw the lates.

Current MERRICK SECURED-$200 EMBLEM MC-$250 EXPRESS NEXT-$350
In the garden till 10/9/14
Fico 8 start 02/15/13 488
Current TU Fico 8 641, EX 734 EQ 740
Goal 650 by 02/15/15
Message 5 of 6
Mgilbert8605
Regular Contributor

Re: What are the odds?

Even with TEN 90 & 120 day lates plus about give 60 day lates? It is the oldest loan on my cr but I figured with that many derogatory marks, it'd have to be killing my score (especially auto-enhanced) more than dropping my AAoA would. Ok I will send a GW asking to remove at least some of those lates.
Message 6 of 6
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