Not sure how to handle. To dispute or not

[jdf_13]

I recently made my final payment on a vehicle lease with GM Financial. I returned the vehicle on the scheduled contract date without issue. Here’s my dilemma, on my EX CR the account still shows open with a 17K balance.

For some strange reason, GM Financial stopped reporting to all 3 CRB’s in 2017. The account shows closed, paid in full on TU and EQ.

Obviously I want that account to show a zero balance on EX CR, my dilemma is that I was 60 days late on 02/2020. If I dispute the balance, I worry they will completely update the account and ADD the 60 day late mark from 02/2020.

I have been late free for 13 months on all my accounts except this lease. So having that fairly recent late added to all my reports might hurt. Thoughts on how I should handle this

[Anonymous]

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@jdf_13 wrote:

I recently made my final payment on a vehicle lease with GM Financial. I returned the vehicle on the scheduled contract date without issue. Here’s my dilemma, on my EX CR the account still shows open with a 17K balance.

For some strange reason, GM Financial stopped reporting to all 3 CRB’s in 2017. The account shows closed, paid in full on TU and EQ.

Obviously I want that account to show a zero balance on EX CR, my dilemma is that I was 60 days late on 02/2020. If I dispute the balance, I worry they will completely update the account and ADD the 60 day late mark from 02/2020.

I have been late free for 13 months on all my accounts except this lease. So having that fairly recent late added to all my reports might hurt. Thoughts on how I should handle this

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How do your FICOs compared between all 3 bureaus? 

[gdale6]

If that 90 day late is real, the 60 isnt really going to matter as a 90 is a major derog.