Impossible to get late payment off report

[CSX1466]

I have an auto loan with regional acceptance I was like back in 2011. I called them to GW it off or PFD not admitting fault just trying to get the baddie off. I was on the phone for 30 minutes talked to 4 different people only for an account manager to tell me its law that it has to stay on there and will be on there for 7 years. Really at a loss idk what to do. I have a thin credit profile as it is. Any ideas

[denver133]

I have a couple lates I am trying to get removed from my Chase auto loan. Ive sent 5 letters and still working to get them to budge.  Try sending multiple GW letters and see if that will crack it.  Don't stop.  Keep trying!!  

[Shellie]

I can't say for certain but I'm fairly sure I have read on other threads that this is not a law.  Maybe you could research it and call back and be able to site how the law actual reads.  I think in most cases they are counting on us being uneducated about the way this stuff works to get away with certain things.

[CSX1466]

I have sent GW letters n they said " we do not honor GW letters its law that we report late payments . And per law we cannot remove them

[DaBears]

The FCRA does state that accurate information has to be reported. It does however not say they have to report. With that being said, you can always send a good will letter explaining your situation at that momment in time. It takes 100 no's but 1 yes to have it changed. How many days were you late? If a 30 day late back in 2011 depending when it happened will have no affect on your scoring at this time. Each late will be removed at 7 yrs from date/month of occurance!!!

If you had 90-120 day late then those can affect your scores for nearly the entire 7 yrs. Keep on trucking and never take no for an answer. 

Community Leader, 

DaBears

[CSX1466]

1 : 30 day late. And I paid on the 30 day mark a full payment plus 1 and he said the report was already sent. It sucks. They red flagged me for being late I understand that but they were quick to put it on there but refuse to take it off.

[DaBears]

Usually they will update the TL after 30 days. I would call and explain to them that when you paid on the 30th day it is considered paid before the cutoff. thats just IMO.