@CreditGuy03 wrote:I had a car loan from 2008-2012 with a credit union. It wasn't charged off or anything but it did have a ton of 60 and 90 day lates over the life of the loan. I know it is affecting my Fico right now. The loan was paid off the end of 2012 when I got a new car.
What would be the best course of action to just getting this off my reports for good?
Only method I know of would be a GW if it is reporting accurately.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.