Goodwill and Unintended Consequences

[UNI4790]

So a couple weeks back I sent a pathetic but true sob story to the CEO of Carmax regarding some lates on an auto loan my ex and I had. There were 14 lates listed, and I asked them to remove the most recent one in July of 2011. There hadn't been any lates for 9 months up until that point and I was just hoping maybe it might boost the score if the more recent lates were removed.

 

I get a call back on Tuesday from Tiffany who is the head of customer service. Says she is obligated to report this information ethically ( ha!), but she has taken the time to review my account for inaccuracies and noticed there were 2 lates that were not supposed to report, and she removed them. How nice.

 

Today I was able to backdoor TU and noticed that they were reporting 6 more lates than EX and EQ (which were identical), so I called her back. She said that 20 was actually correct and she had sent a request to all 3 bureaus to update reporting to reflect that. ARE YOU F@&%$8G KIDDING ME??? So in my request to get some assistance, she managed to screw me over even worse! I'm so pissed right now I could scream!!!

 

Now, does anyone know how badly 6 additional 30-day lates between 6/07 and 12/10 will drop my score? (I already have a 60 and 90-day in 2012, a 90 and 30 in 2011; and a 90,120,150 and 5-180s in 2010.) Couldn't get too much worse, right?

[dvdcoll]

From 07, shouldnt have much impact, from 2010, a little.

A good 3 clean recent years will definitely help