(I've read these boards off and on for a while and no one has posted positive results with the goodwill letter involving the car company). I'm not sure what to do now. I was browsing over at creditwrench where the sysop opined that standard validation letters were getting 'dangerous' to send. If that has any basis in fact then I would be wary of sending one to big and nasty auto loan company in particular. I'm especially wondering what kind of bridges I burned by sending a goodwill, which of course is a pretty clear validation on my own part -- the kind that could frustrate a deletion. In both cases these were OC with paid-off accounts; just lots of black marks for late pays stemming from a divorce. How does this sound? How would you proceed? Just cross your fingers and wait for CHOD?