Hello everyone, Hopefully someone can steer me to the right direction. Santander Consumer USA Date Opened 2/23/2007 Date of Last Payment: 04/30/2012 Date of major delinquency: Dec 2007 Paid and closed: multiple late payments 30/60/90 days late.
I would write a goodwill letter and request that the late pays be removed since the account has been paid in full and closed. The 90-day late is especially hurting your FICO scores. Check out the Sample Letter section for some guidance on GW letters.
I replied to your other thread about Santander. They are very nice and I had no trouble getting them to delete an account for me. I contacted them by phone using the information they have listed on my credit report. As I said, you will only want to ask them to delete the negative payments and not the entire trade line. The account has been paid in full and it is an aged account. Removing a positive account can lower the score.
