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I'm hoping someone can clear something up before I sent a GoodWill letter. I'm under the impression that banks and credit companies must report correct data to credit reporting agencies. With this being the case, how are GW letters legal or reported in the case of installment loans? That is, if I was 30 days late on an auto loan little over 2 years ago, and then was current for two years after the fact (car is paid off now), would the bank report my late month as being paid even though it wasn't if my GW letter is accepted?
Makes sense. TY