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bad experience/charge off on credit report
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I purchased a car thru a used car dealership and financed it thru westlake back in oct. 2005. While having the car i had 2 babies and had a hard time keeping up with timely payments even though i tried to pay as often and as often as possible. The car was repoed in january 2008 for $3500 and i have since been lucky enough to get another car and pay it off without a hitch. I would like to make things right with westlake and start making small payments of 50-75 per month but only if they remove they charge off remark on my credit report and either reopen the account and mark as pays as agreed or keep it closed and mark paid as agreed. I am not willing to start making payments until this is changed otherwise i will wait a few more years for this to be removed off my report. Has anyone had a similar situation? if so please provide me with some advice. Thanks a lot.
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