@Tmyers On the My FICO credit report I would post screen shot of the that tradeline in the FICO Product Feedback forum. Hide the account number or any personal info. Show that tradeline with the credit history and FC. There is FICO moderator you may able to request assistance from. The moderator my need the FICO credit report number or something that they use to do the research on. The charge off/ repo on the Experian credit report I would not dispute it at this point in time. Technically the vehicle is repossed after you surrendered the vehicle. The charge off is creditor bring the account to a zero balance. When the vehicle was sold how much was received in relation to balance owed on the account etc. I would leave that account alone knowing you did the right thing (responsible) under the circumstances. The impact of the account on your score will diminish as time passes. In time (7 years) later depending on where you live the account will fall off your credit report. I hope this helps.
FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
