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