I have some late pays on an old Toyota loan (which is now closed and paid off)... they are reporting a 60 day late (amongst the cluster of 30 days late I had) .
I am wondering:
These late pays are from 2012-
6x 30 days and 1x 60
I know the 60 day is not accurate
Is disputing the 60 day late even worth it at this point? I want to try and qualify for a car loan in the next few months.
Is it better to dispute with snail mail CMRR or should I do it online? Does it make a difference?
I just wrote a GW letter for a 30 day late with Wells Fargo. It was an auto loan. I don't even remember if the late was valid or not. I figured it was worth a shot. The account is closed and paid in full. Still haven't heard back or noticed that it's dropped off... guess we will see!
I think it's always worth a shot to get baddies removed. 5-10 minutes to type a letter and the cost of a stamp seems well worth it to gain a few points on your score!