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I recently called GMAC to get an account number on an old car lease, which was late a couple times, and was co, now paid full in 2003. I asked for the account number so I could write a gw letter to fix the neg marks. I currently have another car loan through GMAC, paid on time for 2 years straight
When asking for the old account number she said it is gone after 7 years from their computers, I told her it was only five years ago and still reporting. She said she could not find it w/o a VIN #, which they do not have. Is it worth to dispute if they can not find it in there records, even though it is true? I do not recall that the debt went to collection and was recovered internally. Advice?
When asking for the old account number she said it is gone after 7 years from their computers, I told her it was only five years ago and still reporting. She said she could not find it w/o a VIN #, which they do not have. Is it worth to dispute if they can not find it in there records, even though it is true? I do not recall that the debt went to collection and was recovered internally. Advice?
rjf78 wrote:
I recently called GMAC to get an account number on an old car lease, which was late a couple times, and was co, now paid full in 2003. I asked for the account number so I could write a gw letter to fix the neg marks. I currently have another car loan through GMAC, paid on time for 2 years straight
Late payments do not hurt after 2 years. IF the account was COd and then paid YES it will hurt!!
Look at your CR does it show CO/paid after CO or anything like that? This would not be good
It should read closed paid or paid as agreed. this is good leave it
At times it is not good to try & get late pay deleted from your CR as the OC might delete the complete TL.....which you might not want.
