Wells Fargo Auto loan Help

[bobtail]

Had 60 mth auto loan with Wells Fargo. One 30 day late in 12/14.  Loan orginated 06/10,  paid in full 6/15. Received title and letter stating loan paid in full. CR showing loan as negative with open balance of 219.00. But also reads paid as agreed.  Need to apply for new auto loan. Help how can I fix? Can loan officer take my proof into consideration? Fico 653 Auto enhanced 8 score 606. 7 year credit history  12/14 my only late. All accounts paid on time as agreed  utilization high  no collections 

[Appleman]

You should call WF and ask about the $219. Let them know that they sent you the title and PIF letter. They may have some explanation.

Hopefully WF could just remove the information if it is incorrect.

I guess the next step would be to dispute, but that is not an area that I have a lot of experience.

The high utilization on revolving credit is goingt o bite you in the form of a higher interest rate on the auto loan.

I am sure others will be along with some advice..