https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/246535#M5613 <DIV>I had a lease on a car. Traded the car with 1 year left on lease. The F&amp;I man called the lease company and got the pay-off. The dealership paid the lease off. Three months later I get a call from a CA telling me I owed money on the car. I told the CA the dealership got the pay-off and paid the off the lease and if there was a balance the dealership owed. The CA continued to call me and I finally paid the balance($100). The CA reported to the CB's(all 3) the loan was collection, charge off, paid. Any advice on how to get this removed from my CR's?</DIV> Sat, 24 May 2008 11:08:49 GMT Anonymous 2008-05-24T11:08:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/246535#M5613 <DIV>I had a lease on a car. Traded the car with 1 year left on lease. The F&amp;I man called the lease company and got the pay-off. The dealership paid the lease off. Three months later I get a call from a CA telling me I owed money on the car. I told the CA the dealership got the pay-off and paid the off the lease and if there was a balance the dealership owed. The CA continued to call me and I finally paid the balance($100). The CA reported to the CB's(all 3) the loan was collection, charge off, paid. Any advice on how to get this removed from my CR's?</DIV> Sat, 24 May 2008 11:08:49 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/246535#M5613 Anonymous 2008-05-24T11:08:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/247154#M5614 <DIV>I don't have the exact answer you're looking for, but I had a similar experience.</DIV><DIV>&nbsp;</DIV><DIV>I turned in a lease 4 months early.&nbsp; I received a bill after it was turned in as well as calls from GMAC stating my payment was past due.&nbsp; I called the dealership (Saturn) and GMAC every day until it was fixed on my CRs.&nbsp; The dealership dropped the ball, I found out, by not submitting the proper change of responsibility forms.&nbsp; It was a PITA, but I was not about to let them throw me under the bus for their mistake.&nbsp; (I guess I was lucky I caught it early and the phone calls from them started quickly.)&nbsp; I also had some frustrations waiting for the car to be sold at an auction -- it seems that GMAC couldn't really close the 'deal' until it was out of their vault inventory.</DIV><DIV>&nbsp;</DIV><DIV>However, I was aware that there was a possibility that I would incur some fees for wear and tear.&nbsp; Could that possibly be what the 100 dollar charge was for?&nbsp; In my case they eyeballed the car for an initial inspection, but the actual post-lease inspection took place a few days later.</DIV><DIV>&nbsp;</DIV><DIV>Sorry to hear you had a problem - hope someone else chimes in with suggestions.</DIV> Sun, 25 May 2008 16:40:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/247154#M5614 Anonymous 2008-05-25T16:40:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/247273#M5625 If its a paid collection, charge off, you need to send them a GW letter asking for removal... Sun, 25 May 2008 20:30:41 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-Charge-Off-Paid/m-p/247273#M5625 Anonymous 2008-05-25T20:30:41Z