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Question regarding charged off car loan

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kukumjacka
Established Member

Question regarding charged off car loan

I have a repo in my reports being listed as follows:
 
EX reports it as Unpaid balance reported as a loss by credit grantor and it's market as Collection but it's got the original creditor's name, not an agency.
 
EQ reports it as Bad debt/collection and the rest is as above.
 
TU says Charged off as bad debt nothing about collections, gives OC contact info.
 
Amount is 7832
Opened in Oct 2000
Closed in Dec 2003
 
Car was repoed in Oct 2003,
 
It's supposed to drop in April 2011
Anything I can do with this? PDF? DV?
 
thanks in advance...
 
Message 1 of 2
1 REPLY 1
Anonymous
Not applicable

Re: Question regarding charged off car loan

Since they repoed it and were likely able to collect a portion of the value you may be able to contact them and offer them to pay their losses on the account in return for a deletion. I would not do a debt validation as it is valid and with the original creditor - that might make them mad and turn their attention on you without being inclined to deletion.
 
If you come forward on your own and offer to make good their losses there is a good chance they will delete it.
 
Goodluck!
Message 2 of 2
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