I live in virginia...im not too sure on the dofd im thinking in 2003-2004. it finally went to collections late in 2007 and i began paying monthly in january. last payment made to collections was on apr 24th and payments come out on the 24th of every month. is it too late to ask the ra for a pfd?
also im wondering if a gw letter would help to toyota financial? I have been late 4times but once went 90 days back in early 2006. since then i was late once in 2007 30 days but am current and have been for 9months. would a gw letter help get the lates off of my report or should i still wait?