Auto Account on my credit report that I don't recognize

[GiveJoy]

I have an account on my credit report that says it's "industry: auto financing" from a Tdaf. However, I don't recognize this account. I have only ever had one auto loan and it was through Chrysler Financial and I always made my payments through Chrysler Financial and paid off the loan in 2010.

What can I do about this? How do I find out if this is my account or not?

Thanks. 

[Jutz]

From Wiki:

TD Auto Finance is a financial-services provider,[1] formerly known as Chrysler First Financial Services Corporation, when it was part of Chrysler LLC. That company was founded in 1964 byChrysler Corporation and became a stand-alone company in 2007, when Chrysler Corporation was purchased by Cerberus Capital Management.

[GiveJoy]

So I guess that kinda makes sense since Chrysler Financial is not listed on my EQ credit report, only tdaf is. However, the tdaf says that it was a charged off account. However, I know that I paid my auto loan off in 2010 and that it was never charged off. What can I do about this? Do I have to somehow prove that the account was never charged off?

[Jutz]

Can you copy and paste the exact tradeline in here?  Preferably from more than one bureau

[GiveJoy]

From TU

Status as ofDate opened [?]Date of last activity [?]Date closed [?]Account number [?]Loan type [?]Largest past balance [?]Account Type [?]Account holder [?]Industry

Feb, 2010

May, 2005

Oct, 2010

Feb, 2010

XXXXXX5004

Automobile

$3,112

Installment Account

Individual Account

Finance / Personal

Descriptions [?]

• Chapter 7 bankruptcy

Contact Information [?]P.O. Box 551080
Jacksonville, FL 32255
(866) 251-9400

Balance [?] Current Status [?]

$0

Unrated

Seven year payment history [?]30 days late60 days late90+ days late

0 times

0 times

0 times

Worst Delinquency [?]

None Reported

The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.

[GiveJoy]

From EQ

Credit AccountTdaf

Status as ofDate opened [?]Date of last activity [?]Account number [?]Largest past balance [?]Account Type [?]Account holder [?]Scheduled Payment Amount [?]Industry

Nov, 2010

May, 2005

Aug, 2009

XXXXXX5004

$3,112

Installment

Individual

$1,307

Auto Financing

Descriptions [?]

• Account paid for less than full balance
• Charged off account

No contact information provided by Equifax

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?]30 days late60 days late90+ days late

7 times (Dec 2009, Nov 2009, Oct 2009, Jul 2009, Apr 2009, Mar 2009)

1 time (Aug 2009)

0 times

Recent payment history [?]11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 102008 2009 2010

Legend:	Currently paid as agreed
	30 days late	60 days late

Worst Delinquency [?]

[GiveJoy]

Since posting my auto account from both TU and EQ it makes more sense that they are both my Chrysler Financial auto loan. But I don't understand why one says Chrysler Financial on the credit report and another credit report has tdaf. I don't understand why they would do this....

[Jutz]

The name doesn't mean much, One updated to reflect the name, one didn't.  The status of each is obviously more imporant.  were they included in BK?

[GiveJoy]

They were not included in the bankruptcy. I had to list the auto loan as a debt, but the auto loan was reaffirmed and then paid off. They did offer me to pay off the loan in one payment but I was $200 short so they said they would waive the $200 and I could then have the loan paid in full. I didn't know there was any negative consquences and thougth that they just were being nice, as we didn't ask for it. Kinda sucks as I would have just contined making the last 5 payments, in full, if they would have told me about the credit consquences of accepting the $200 off. 

I hope this makes sense. If not, ask and I can try and clarify. 

[Jutz]

I think that's something you should be asking for clarification of from the OC. Even though TD wasnt the original company they should still have your account records. If they can't find sufficient info I would press for them to assure all three bureaus are reporting the tradeline as fully positive. Maybe even shoot for a GW for the lates while you're at it