Will Chase Remove Derogatory Item from Report

[praise123]

So, I had a Chase Auto Loan and I was late 2x 30 day.  But the car has been paid in full for 2 years.  Chase recently have me a credit card with $5,000 limit so what are the chances that they will remove the item from my report.

[LionLaw]

I know Chase is very willing to delete old CC TLs on request (I had one deleted myself last month), and is very unwilling to delete/amend mortgage TLs (there are plenty of stories on here about that), but I don't know about auto loans.  Send an e-mail to the president of JPMChase; the worst they can say is no.

[CC40]

I just posted asking for an email address for Chase. Do you have one? I will take any email address. I am planning to send a GW letter to the Wilmington, DE address Via snail mail and copy it to someone on email at a diff address. ????

[RobertEG]

If you send it to their general address, it will most likely be considered by a general clerk based on their general policy.

Which more 'oft than not gets a general No.

[pizzadude]

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@praise123 wrote:

So, I had a Chase Auto Loan and I was late 2x 30 day.  But the car has been paid in full for 2 years.  Chase recently have me a credit card with $5,000 limit so what are the chances that they will remove the item from my report.

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If the only negatives on this account are two 30~day lates then I would lean towards just leaving it alone. It might hurt your FICO® score more to lose the account than to just leave it alone.

[marty56]

I would also leave it be.  If you want another auto loan in the future, it will also help your auto FICO score.  Also if you go for a mortage, it could help on a MR.