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I feel so angry and upset. Our loan is about to go through underwriting, and the company we leased our car from just accidentally updated our account saying we owe over 3g and that its been charged off. It subsequently dropped the credit score 48 points. This information is 100% inaccurate. We paid in full and had no outstanding balances or payments whatsoever. I can not believe they did this. I called just barely and they are out of the office, so first thing in the morning they are going to get ripped a new one. How could they be so careless/reckless.
I am so worried that this will lose us the loan. Extremely discouraged.
- climb the ladder of management until you get someone tto resolve immediately - do not let them get you off the line until they fix it - Only way to get things done quickly
You dont have to yell and hopefully you will be able to say what you need to without crying - (unless it helps you to plead your case hehe)
Get everything you have to document things together - draft a letter and let your LO know asap - be upfront - you didnt do anything wrong
If your bank has already pulled credit they may never see anything - however if they do a repull you could have an issue and best case you will lose valuable time at the end trying to plead your case
Good Luck
B
tell the loan officer now.
they will likely do a credit supplement to get the account updated.
@Anonymous wrote:
I called the car financing people on Friday morning and they were very understanding and helpful. They said they got it fixed and updated. I'm going to call the loan officer tomorrow and ask what we should do next. I'm hoping it will update on the credit report soon. The mid score right now is at 599 😑 It was 651 before this whole debacle happened.
You can get a letter from the company, then call the cras and get removed. Get the letter emailed.