My car will be paid off next month. we had 2 late payments last year in oct and nov. A 30 day late and 60 day late. Those were the only lates we had for the duration of our loan. They were due because of job loss. Do you think asking for a good faith removal of lates would make a different in credit score since they have age 6 months. The loan is through ally bank. Any one had any dealings with them regarding late payments.
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