I am going to try to keep this short. So Im in the process of rebuilding my credit and a big negative I have on my history is a reposession i had about 3 years ago. I cosigned for my brother but was put as the primary when i asked specifically that i didnt want to be. Fast forward a couple months and i get a call from toyota that they are looking for vehicle. Well vehicle got repo'd and about three months later they contact me about paying the difference on the loan amount. I paid it off and have no balnace on the account as of current.
This was handled and paid in full a couple years ago. Now my question is I called toyota today and ask them to mail me a paid in full letter and info on how i get the derogtory payment taken off the account. they gave me the info to send letter.
Now my question is do i ask to try to get account removed or just all the negatives(90 days)? Has anyone ever sent one to Toyota motor financial and how did it go. What i plan on sendign to them is a copy of paid in full letter, a copy of what is gettign reported through them on my report and my letter. also i need advice on what i should write in my letter?
|Total Credit: $218,900||Credit Utilization: 1%||AAoA: 5 years, 3 months||Installments: Car Lease, Marcus Loan||Negatives: 0|