HELP!? This doesn't make sense???

[Anonymous]

[SouthJamaica]

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@Anonymous wrote:

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Could it have to do with Wells Fargo dropping out of independent car dealer financing?

https://ficoforums.myfico.com/t5/Credit-in-the-News/WF-worried-about-defaults-stops-making-loans-to-most-independent/td-p/6040857

[Anonymous]

Like I said, it makes no sense to me at all. It looks like two of them stayed with WFDS and the other went to a CA. Either way, I would just like them all to say zero and I am not even worried too much about the 1 30 day late, but obviously will work to have that changed.

[dragontears]

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@Anonymous wrote:

Like I said, it makes no sense to me at all. It looks like two of them stayed with WFDS and the other went to a CA. Either way, I would just like them all to say zero and I am not even worried too much about the 1 30 day late, but obviously will work to have that changed.

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The big question is the account charged off or just closed. 

If it actually changed off then 1 report is correct and the other 2 are wrong. 

If you try to "fix" this and it is truly a charged off then the lender can update the account on all 3 with a charge off. If it not a charge off and instead is a closed account in goodstanding, I would start with the lender to see if they will correct the reporting 

[Anonymous]

Exactly @dragontears so I think I will just wait this one out. I don't want the other two updating with the charge-off which really is correct.