topic Re: Help understanding old repo in General Credit Topics

Help understanding old repo

Anonymous — Sat, 22 May 2021 20:44:12 GMT

So I have an old auto repossession. I can't remember the exact date of repossession but it was sometime in 2013 or 2014. It does not show a date when it should fall off on any of the bureau's. This pic is an example of the information it's showing me.

Can somebody explain to me what's happening here?

Re: Help understanding old repo

Anonymous — Sat, 22 May 2021 20:44:44 GMT

@Anonymous wrote:
So I have an old auto repossession. I can't remember the exact date of repossession but it was sometime in 2013 or 2014. It does not show a date when it should fall off on any of the bureau's. This pic is an example of the information it's showing me.
Can somebody explain to me what's happening here?

CK doesnt always relay the info correctly.

Go to annual credit report and pull all your credit reports from there (free) and see what they give for the age off dates/date of first delinquency.

Re: Help understanding old repo

RobertEG — Fri, 21 May 2021 16:35:51 GMT

The reported payment history profile appears to show that the account was in good-standing pror to July 2019, after which the chain of delinquency began, That is at odds with a current status of repo with a repo date back in 2013 or2014

Since the payment history profile also only shows check and x-marks designating prior delinquency status, no level of delinquency can be determined. including when they did the repo.

Can you first clarify the actual history of the delinquency status?

Re: Help understanding old repo

Anonymous — Fri, 21 May 2021 22:09:43 GMT

@RobertEG wrote:
The reported payment history profile appears to show that the account was in good-standing pror to July 2019, after which the chain of delinquency began, That is at odds with a current status of repo with a repo date back in 2013 or2014

Since the payment history profile also only shows check and x-marks designating prior delinquency status, no level of delinquency can be determined. including when they did the repo.

Can you first clarify the actual history of the delinquency status?

See that's what I'm seeing too. That in 2019 the account was brought current. That is absolutely not correct in any way. That truck was reposessed in 2014. I haven't given them a dime since before it was repossessed. I think I'll do what another poster suggested and pull my actual yearly report and see what it shows.

Re: Help understanding old repo

House2021 — Sat, 22 May 2021 04:41:28 GMT

Yes if there's a problem do a mail in dispute to bureaus and do a BBB dispute and a CFPB dispute if the BBB doesn't work