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personal loan with my credit union, will goodwill letter work?

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personal loan with my credit union, will goodwill letter work?

i took out a $4000 personal loan with my credit union a few years ago to help pay some bills. i was then laid off, and have had a hard time finding steady work since (until last january, but took a job paying much lower for the first year).

i am now finally starting to get some financial stability, and although my most recent late payment was just a few months ago, i am curious as to whether i should send them a goodwill letter trying to get those late payments turned into OK payments...is that how a GW letter works? i want to clean up my credit so i can look at buying a house sometime within the next year...

30 days late 6 times (Feb 2008, Jan 2008, Nov 2007, Nov 2007, May 2007, Nov 2006)
60 days late 1 time (Mar 2008)
90+ days late 0 times

Message Edited by crackers8199 on 07-31-2008 01:00 PM
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