AU Question

[krit]

@SouthJamaica Was able to get her EX FICO 8. It's 653 with only her auto loan showing.. no inquiries. Her auto loan will be five years old in July with one 30-day late last August. Do you think the Discover AU will help? Thanks for your input. 👍 

[SouthJamaica]

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@krit wrote:

@SouthJamaica Was able to get her EX FICO 8. It's 653 with only her auto loan showing.. no inquiries. Her auto loan will be five years old in July with one 30-day late last August. Do you think the Discover AU will help? Thanks for your input. 👍 

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It might. I think it's worth a shot.

[krit]

@SouthJamaica Thank you again. She is now AU on only the Discover card. Hopefully she'll see a bit of a bump. 

[RobynJ]

@krit 

Has she had a perfect pay history with the auto loan other than the 1 30 late? Have she tried a goodwill to have the late removed if all other pay history was perfect. Many banks will do it once if you've had that long of good pay history. If they give it to her her score should jump to over 700's probably. 

[krit]

@RobynJ Yes, perfect other than the one 30-day late. Unfortunately, everything I've read indicates that Santander never does GW. 😕 I guess it wouldn't hurt to ask, but chances are slim. 

[RobynJ]

I understand they normally don't but you have a fighting chance with a perfect pay history and corona going on. Don't give up, ask for a supervisor if told no, write to the ceo. Heck if you had corona at the time I would bet you could get it done. 

[krit]

@RobynJ Thanks. It's worth a try. I'll tell her. 👍