Goodwill for late payments on closed loan?

[TryingAndCrying]

Hello everyone,

I responded to a high interest loan mailer check back in 2019 (I know better now)

I paid just fine until March 2020- The month that Covid began, due to job loss. I actually went 120 days at that point. I caught up and was current for one year and then then I ended the loan going 60 days before making the final payment. It shows up only on my EQ report. 

The account status is: NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE. 

The activity designator is: PAID_AND_CLOSED

I was younger and "credit dumber" then.

Would it be worth it to try to ask for a goodwill deletion of the late payments? Would I be poking the bear in any way? Is it really affecting my score? We plan on buying a home next year. 

Thank you in advance for your help.

[babygirl1256]

@TryingAndCrying Gosh, so sorry you encountered such hardship. The goodwill succession is based on the loan company. Some are flexible and some are not . . . nothing beats a failure but a try!!! Let the Forum know what loan company you are dealing with and perhaps a Forum member will share their experience with that company. Best wishes on resolving in your favor!!! 

[gdale6]

You have a good case, definitely give it a shot.

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