Showing results for 
Search instead for 
Did you mean: 

Auto loan is closed.. but I'm still paying on it?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Member

Auto loan is closed.. but I'm still paying on it?

I was in a really crappy relationship last year and had no control of finances. I got a car in May 2017, first payment due June 25th. The first payment wasn't made until October 8 for the full first payment amount. I then made another full payment December 1. I called on November 30 and was told as long as I made a payment BY the 1st, my car would not be repossessed and sent to collections. I then made 4 months of payments in the month of December. Since December, I have made every payment on time and for the full amount, sometimes over. However, the account is still showing as Charged Off and Closed on my credit report. A collection agency never received my account, it is still at Chrysler Capital, and there were no re-negotiations made or changes to my loan, it is still my original loan I am paying on. Because of the charge off, my credit is completely destroyed. Is there anything I can do?

New Member

Re: Auto loan is closed.. but I'm still paying on it?

Here is a little more info if needed, 

Monthly payments are $204.87

Opened 05/12/18

First payment due 06/25/18

First payment made 10/08/17 for $205

Payment made 12/1/17 for $215

Payment made 12/12/17 for $700

Payment made 12/18/17 for $252.25

Payment made 01/05/18 for $205

Payment made 2/26/18 for $190

Second payment on 2/26/18 for $715

Payment on 03/21/18 for $765.71

Payment 05/28/18 for $400

and since then I have paid $235 on the due date every month. The loan was originally for $8249 and is now down to $6260. I did have $315 worth of late fees and charges for being on the repossession list.


Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.