Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
Re: Santander consumer
My experience was this: they bought a settled loan from citi (ex husbands truck that he stopped paying after a divorce)

The account was settled in 2009. They reported a loan and chargeoff in 2010!!

My mortgage broker helped get it removed in 2011. False reporting... I never even had a loan with those people!

Starting Score: 08/29/2011 TU 671 EQ 674
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New Contributor
Posts: 70
Registered: ‎11-05-2011
Re: Santander consumer
I had to chime in on this thread. I know everyone posts horror stories about them, but I've had absolutely no problems. I got approved in 2007 at around 16%. I don't know what my credit score was.

I've been late on this account many times in the past (Stupid me!), and they have only ever reported one late. I've been able to call them before to make a payment arrangement when times were tough or push the payment back to the end of my loan contract.

They helped me out even I bought my car and I can't really say anything bad about them.

Starting Score: 560 on 11/1/11
Current Score: 578 on 10/04/12
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