I thought I'd update everyone on my credit rehabilitation journey. I recently found a "30 days late" mark on my Experian report regarding my chase auto loan...I didn't even know that I had been late. Every other payment had been fine. Because my history has been so good with them (sans that), I decided to write a Goodwill letter to JP Morgan & Chase co., addressed to the CEO. I will let you all know what happens! Let me know if you have any questions!