Thank you to everyone who makes this forum possible. I have been following along and trying to repair my credit for a few months now. I have a letter that I am sending to one of my former creditors to remove a 30 from my report. I only had the account for a short time and would prefer it to be deleted entirely. Thank you. (Note: Roadloans.com and Triad Financial is the same company) Dear Loan Administration, I have very much enjoyed being a client with Roadloans.com and appreciate all of the wonderful, prompt, and professional customer service your company has given me. I am now asking for just one more courtesy. As you can see in my account, I opened my account with Triad Financial in January 2006 and refinanced with Roadloans.com in January 2007. I paid my bill on time and in full each month. In May 2007, I again re-financed my car loan with Capital One Auto Finance. I began sending in my payments to Capital One Auto Finance in June 2007. Recently I pulled my Credit Report from each of the three major Reporting Agencies: Experian, Equifax and Transunion; much to my dismay, Roadloans.com had reported me 30 days late in June 2007 with my payment, however, subsequent months (July, August, September) had been reported “OK.” I am just asking that this mark be removed by Roadloans.com At that time I also realized that I still owed $96 to my Roadloans.com account. I assume that Capital One Auto Finance made an error in their calculations and in no way did I fault Roadloans.com. I immediately paid the $96. I know that you are under no legal obligation to report to any agency. As this account is now closed and paid in full, I would like to ask, as a gesture of goodwill, that you delete my account from each of the three major Reporting Agencies: Experian, Equifax and Transunion. Thank you very much for your time and consideration and I hope to do business again with Triad Financial/Roadloans.com in the future. Sincerely yours, Enclosed is a copy of my Driver’s License for identity verification purposes.