Negative TL reporting incorrectly, but I was able to delete the address associated with it.

[AlphaKenny]

As the title says, I was able to delete the address from my reports that was attached to this TL.  I was going to send a 623 letter to the OC since I had disputed it once and it came back verified.  What should I do now?  Do you recommend disputing the TL since the address has been deleted that was associated with it?  Thank you in advance.

[Shogun]

How is the TL reporting incorrectly is the question.  If you have proof, then a 623 direct dispute with proof would be a good option.

[AlphaKenny]

It was a repo.  Loan started 4/2009.  Originally repo'd 7/2009 after falling behind 30 days.  Recovered the vehicle next day after I became current.  Repo'd again 3/2010, recovered the vehicle next day after PIF.

CR is showing "OK" from start of loan until first repo (4/2009-6/2009).  Then "30" in 7/2009.  After that, every month shows "ND" until randomly "R" (repo) 8/2011.

So it looks like I got lucky on the first repo as they only reported it as a "30", but when the second repo happened, they have "ND".  The last thing they have is the "R" 8/2011 which was almost a year after the actual repo.  I paid the loan in full the day after the second repo.

Under account history they have:

Repossession as of 8/2011

30 days past due as of 7/2009

[Shogun]

---

@AlphaKenny wrote:

It was a repo.  Loan started 4/2009.  Originally repo'd 7/2009 after falling behind 30 days.  Recovered the vehicle next day after I became current.  Repo'd again 3/2010, recovered the vehicle next day after PIF.

CR is showing "OK" from start of loan until first repo (4/2009-6/2009).  Then "30" in 7/2009.  After that, every month shows "ND" until randomly "R" (repo) 8/2011.

So it looks like I got lucky on the first repo as they only reported it as a "30", but when the second repo happened, they have "ND".  The last thing they have is the "R" 8/2011 which was almost a year after the actual repo.  I paid the loan in full the day after the second repo.

Under account history they have:

Repossession as of 8/2011

30 days past due as of 7/2009

---

ND just means "No Data", doesn't count against anything, just means no data so it's not a negative. There should be no listing updated in the monthly after the debt was paid off.  I would try a GW to remove at first, start nicely.  If it's a no go, then I'd do a 623 direct dispute with them citing when it was paid off.

[AlphaKenny]

Would the GW letter affect that they aren't reporting the correct address?  The address associated with this tradeline is no longer on my reports.  I would prefer to keep that address off of my reports.  It sounds shady, but I guess I'm looking to erase my rocky past as it doesn't reflect my current credit relationships.

[Shogun]

If they honor the GW request, it would remove all indications of the account so none of it would appear on your CR.  So it wouldn't put anything back on there.