Want to share this awesome news.FMC removed two derogs (30 days late payment) from Yr 2005 on my Auto Loan.
I had a total of 4 derogs(three 30 days lates and one 60 day late).I sent them 2 GW letters,asking for deletion of derogs considering my good payments since 3 yrs and also the fact that I closed down the loan early.I did not go with any preset GW format, just explained my past situation and asked them v politely..They did not respond me back but I found out after 2 months that two 30 day late payments are gone on my TU and EQ.
I do have a question - Since my Auto loan still has a 60 day late payment from Feb 2006, will it reduce my Auto Enhanced FICO?
My current FICO's are 651 - TU and 650 - EQ
Thanks
