I have one 30 day late. GM Financial told me that I need to dispute with the CRA's. I questioned her, even told her I wasn't disputing that I was late, just that I was hoping for some GW since I haven't had a good history since.
Equifax 598; Transunion 632; Experian 630 (July 2012) from a lender pull)
Equifax 550, Transunion 636FAKO, Experian 544 FAKO (May 2012 from each of the companies directly)
Equifax 493; Transunion 536; Experian 547 (October 2011 from a lender pull)
