I had an auto loan that was paid off in 2006. My credit report showed 3 entries for this loan, as it had been sold/transferred at one time. I had two bad entries for the loan because of a late payment. One of the records in the bad trade lines was incorrect - it shows eight 30-day late payments. I did not have these. The other bad entry showed the same loan with two 30-day lates. That was correct and I will admit, to having two 30-day lates in the 5 year loan.
The same loan is showing up in my satisfactory accounts. My concern is that if I dispute the remaining baddy (which is now incorrect with the eight 30-day lates) because it's already showing in the satisfactory accounts, that the credit bureau will delete the good account, leaving me with the bad one.
The reason I think this is that when I filed my latest dispute and asked for them to delete one of the duplicate baddies, as it was double recorded, they didn't delete the one I specifically referenced and asked to have deleted (the one that showed the eight 30-day lates)- instead, they deleted the one that showed the correct two 30-day lates from 2002.
Any suggestions on what I should do here? I'm wondering if instead of requesting the bad duplicate to be deleted, that I should just dispute the lates. I'm so afraid they will delete the record that is showing as one of my good trade lines.
Message Edited by mxnuy1 on 10-31-2007 08:05 AM
