https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/what-to-do-about-wfds-wds/m-p/1562350#M204419 <P>So here is the sob story.&nbsp; I was divorced in August of 2008, where my ex was given the responsability for the van that was financed thru well fargo dealer services.&nbsp; Long story short she never made the last payment.&nbsp;In August of 2010 I became aware of this and paid the debt.&nbsp; Wells Fargo not only chared off the last payment, they also hit me 90+ late x 18.&nbsp; I did not know they could do both.&nbsp;</P><P>&nbsp;</P><P>Over the last few years I have contacted WFDS by both phone and thru goodwill letters (divorce decree enclosed).&nbsp; Over the phone the would not do anything (its your responsiability and the information is accurate).&nbsp; I have never recieved a response from the letters.&nbsp; How do I proceed with this?&nbsp; It is the last of my baddies and would love to get this removed.</P><P>&nbsp;</P><P>Thank you in advance for any advice.</P><P>&nbsp;</P><P>T.J.</P> Tue, 28 Aug 2012 23:08:00 GMT tjc 2012-08-28T23:08:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/what-to-do-about-wfds-wds/m-p/1562350#M204419 <P>So here is the sob story.&nbsp; I was divorced in August of 2008, where my ex was given the responsability for the van that was financed thru well fargo dealer services.&nbsp; Long story short she never made the last payment.&nbsp;In August of 2010 I became aware of this and paid the debt.&nbsp; Wells Fargo not only chared off the last payment, they also hit me 90+ late x 18.&nbsp; I did not know they could do both.&nbsp;</P><P>&nbsp;</P><P>Over the last few years I have contacted WFDS by both phone and thru goodwill letters (divorce decree enclosed).&nbsp; Over the phone the would not do anything (its your responsiability and the information is accurate).&nbsp; I have never recieved a response from the letters.&nbsp; How do I proceed with this?&nbsp; It is the last of my baddies and would love to get this removed.</P><P>&nbsp;</P><P>Thank you in advance for any advice.</P><P>&nbsp;</P><P>T.J.</P> Tue, 28 Aug 2012 23:08:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/what-to-do-about-wfds-wds/m-p/1562350#M204419 tjc 2012-08-28T23:08:00Z