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Unexpected, pleasant surprise

Peazmom
Frequent Contributor

Unexpected, pleasant surprise

I had a 30 late payment on an auto loan from Santander in October 2012.  It was showing on all three credit bureas, and I have been patiently waiting to see it drop in October.  I had previously requested GW back in June, and never had a response my request.  I woke this morning to alerts from Equifax and Transunion saying that a derogatory was no longer reporting.  Sure enough, the Santander 30 day had dropped and the account is reporting no past due on either of these bureas, giving my a nice 15 point bounce.  Not sure if it was the result of the good will letter or why it would drop early.  Anyway, I'm happy it happened, now just hope Experian follows suit.  That just leaves 1 charge off standing in the way of me and totally clean score cards and I can starting working EE on that in October!

Starting FICO 8 December 2017

FICO 8 as of 6/7/20



Sock Drawer:

Message 1 of 11
10 REPLIES 10
Remedios
Moderator

Re: Unexpected, pleasant surprise

Congrats! 

Message 2 of 11
gdale6
Moderator

Re: Unexpected, pleasant surprise

Excellent, always nice when these things happen Smiley Happy
Message 3 of 11
calyx
Senior Contributor

Re: Unexpected, pleasant surprise

Very nice - congrats!




F8 EQ: 803 | EX: 796 | TU: 796 | Accounts: 1/6 3/12 7/24
Happy practitioner of AZE9or10or11or12 | Team Finances > FICO
Message 4 of 11
FiresOut
Super Contributor

Re: Unexpected, pleasant surprise

Congrats. I tried for 3 yrs and no go. But its 6yrs old now. No biggie.

Message 5 of 11
Babygirltp
New Visitor

Re: Unexpected, pleasant surprise

What plan do you use to achieve this?
Message 6 of 11
GApeachy
Super Contributor

Re: Unexpected, pleasant surprise

Happy Dance!

"My Take Home Pay Don't Take Me Home"
Message 7 of 11
Peazmom
Frequent Contributor

Re: Unexpected, pleasant surprise


@Babygirltp wrote:
What plan do you use to achieve this?

I'm not sure of your question.  If you can elaborate for me, I will be happy to share anything I have done so far.

Starting FICO 8 December 2017

FICO 8 as of 6/7/20



Sock Drawer:

Message 8 of 11
AverageJoesCredit
Community Leader
Mega Contributor

Re: Unexpected, pleasant surprise

Sweet!🥳
Message 9 of 11
Jmill720
New Visitor

Re: Unexpected, pleasant surprise

Where at Santander did you send your GW letter to?

Message 10 of 11
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