Hello Folks,
Just wanted to give an update to some folks about my woes with Wells Fargo. It was all my fault. I had my car for 5 years and NEVER paid late until 1 month before the car was paid off!
I was in the hosptial. My husband thought he paid it but never checked for confirmation.
I paid ASAP but was 38 days late! Well you know were in the middle of a re-finance of our home. We closed before the late payment hit my credit report
My scores tanked between 80-100 points!
I read the messsage board looking for hope. I found some. Wrote a letter and Wells called me to discussed it with me.They told me to resubmit my goodwill letter after the car was paid off. So I did just that! I paid the car off.I never disputed it on my credit report, just fax my letter to Wells Fargo.
I am blessed to say, I purchased my FICO scores a little over a month ago and it was still there. But today, IT'S ALL GONE!!! NO LATE PAYS ANYWHERE.. EVEN some other stuff I was disputing came off!
I am so happy..
A goodwill letter will go a LONG WAY!!!