11-12-2012 02:17 AM
11-12-2012 08:45 AM
If the loan is completely paid off, the only thing left to do is write goodwill letters to the creditor and collection agency asking them to remove the history. Results are mixed with these letters depending on the company, but many people here have reported success. If you search these forums with her, you should be able to find examples, and maybe even people who know good specific contacts at Wells Fargo and the CA.
Other than that, she'll have to wait 7 years for the negative information to fall off completely, but it's impact on her score will decrease over time.
11-12-2012 09:46 AM
As SCF mentioned, good will letters are really her only option now.
The 30 day lates may not be hurting much anymore, depending on how old they are, but the 90 & 120 day lates are going to hurt for quite a while if she is unable to get them removed.