Ally financial repo

[Quame15]

Hey I got a 2013 Cadillac xts missed my first payments December 2013 to April 2014 car went in repo I paid the back pay got the car back haven't missed another payment for 6 years paid the car off Dec 2020 I want to know how I should go about getting the REPOSSESSED STATUS taking off the credit remarks and maybe the missed payments they are from 2013? 

[mmajer4211]

Following. Hopefully someone has an answer for you.

[gdale6]

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@Quame15 wrote:

Hey I got a 2013 Cadillac xts missed my first payments December 2013 to April 2014 car went in repo I paid the back pay got the car back haven't missed another payment for 6 years paid the car off Dec 2020 I want to know how I should go about getting the REPOSSESSED STATUS taking off the credit remarks and maybe the missed payments they are from 2013? 

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You need to ask them to remove the entire TL as once its a repo always a repo even when redeemed, its like a bankcard CO is always a CO even when its been paid.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

[blindambition]

It's unlikely Ally will do late removals. Repo status will most likely be there for 7 years from DoFD.

Ally can be difficult in these regards. You certainly can flood them with GW letters, no harm in trying to get lates removed. The repo status will suppress score until removal.

Read the Saturation Technique gdale6 provided.