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Goodwill letters do work


Anonymous
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Union Planters Bank was kind enough to give me an auto loan a year after a repo in 1998. I bought a Jeep, they financed me at a high APR of 19% but I needed a car. About 6 months or so UPBNA sold my account to another lender, but reported on my CR as 1 time, 30 days late before they sold it.

I disputed the late with EX and it came back updated to 2 times late 30 days. in January

February, I decided to send a nice little Goodwill letter to UPBNA, I didn't do it CMRRR and never heard back so I thougt it was a lost cause and a lesson learned.

Disputed one more time as never late in April with EX. Today I recieved an email from EX stating my results are in!!!

UNION PLANTERS NATL BANK

Status:

Paid/Never late.

Status Details:

This account is scheduled to continue on record until 4-2013.

This item was verified and updated on 5-2003.

Date Opened:

12/1998

Type:

Installment

Reported Since:

08/1999

Terms:

60 Months

Date of Status:

04/2003

Monthly Payment:

$0

Last Reported:

04/2003

Responsibility:

Individual

Credit Limit/Original Amount:

$13,890

High Balance:

NA

Recent Balance:

NA

Recent Payment:

NA

The best part is that they added another 4 years on the positive side!!! Have to check my other reports now!

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