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Please help!! How do I respond??

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m29
Regular Contributor

Please help!! How do I respond??

First I would like to thank everyone on these forums for all the great advice!! You all ROCK!!!

 

I need help!! My wife sent a GW letter to the Office of the president of Santander about an auto loan she had that had me listed as a cosigner.  The loan had serveral late payments (due to our separation), but has been paid in full as of Jan 2010 (1 year early). She respectfully requested blah blah kissed their butts to have the negative remarks removed from my CR as I was just the cosigner (she never asked them to remove hers). Here is the response from them:

 

 

Please be advised SCUSA policy is to report all customer accounts to the credit reporting agencies in a consistent and accurate manner. The Retail Installment Contract, dated September 19, 2005, list both her and me ( replaced our names).

 

SCUSA has verified that the information provided to the credit reporting agencies is accurate.

 

Sincerely, 

 

Santander Consumer USA, Inc.

 

Please help how do I respond to this? Do I even have a chance???


Starting Score: 8/30/11 EQ 520 TU98 593
Current Score: LO Pull 3/5/12 EQ 659 TU04 652 EX 649
LO Pull 5/26/12 EQ 656 TU04 668 EX 651
Goal Score: 700 by 12/30/12


Take the FICO Fitness Challenge
Message 1 of 5
4 REPLIES 4
llecs
Moderator Emeritus

Re: Please help!! How do I respond??

Never give up. Try sending GWs yourself too.

Message 2 of 5
Guava
Established Contributor

Re: Please help!! How do I respond??

Don't stop trying. Let them know that you know their obligation to report accurate info, but you're asking out of sympathy


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 3 of 5
m29
Regular Contributor

Re: Please help!! How do I respond??

Thanks for the encouragement!! I won't give up, I will try a different contact!!


Starting Score: 8/30/11 EQ 520 TU98 593
Current Score: LO Pull 3/5/12 EQ 659 TU04 652 EX 649
LO Pull 5/26/12 EQ 656 TU04 668 EX 651
Goal Score: 700 by 12/30/12


Take the FICO Fitness Challenge
Message 4 of 5
Anonymous
Not applicable

Re: Please help!! How do I respond??

If anyone has a GW contact for them please PM . thank you in advance

 

Santander Consumer USA
Date Opened 2/23/2007
Date of Last Payment: 04/30/2012

Date of major delinquency:  Dec 2007
Paid and closed:
multiple late payments 30/60/90 days late.

Message 5 of 5
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