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!
Very nice - congrats!
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.