I purchased a new vehicle in August. A few days later, the check engine light came on. About a month later, after multiple attempts to resolve the issue without success, the dealership ended up unwinding the sale and selling me a different car of the same model, but a new loan had to be initiated. Both loans were by the same finance company. Now, almost 6 months later, both loans still show up on my credit report. The original loan still shows 100% balance outstanding, but no negative marks, i just think it's not being reported on. On their website it shows with full amount due and past due, but a full payment being made retroactive to the original date. The new loan also shows up on my report, and is showing the monthly payments like it should.
The original loan is causing my total balance to loan ratio to be higher than it is (may not be that big of a deal because it's installment, but I'm not really sure). I'm not sure what to do in this situation, if anything. Should I contact the finance company about it, the dealership, file a dispute with credit bureaus, wait a little longer, or let it be?