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  1. Thank you for the advice. How do I find the name of a specific person to send another letter?
  2. I recently sent in a goodwill letter based on a sample from this site. Trying to have two previous late charges removed from by car loan bank to help my credit score and in the future for buying a house. They did respond however it seems like they didn't read my letter correctly. I did admit the charges were accurate and apologized. They responded by saying the charges are accurate and they are closing my dispute. Any advice on how I should respond? I sent the letter to the main address off my billing website so I assumed I sent it to the correct people. Thank you in advance for your help.

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