I have a redeemed repo on my TU CR that I don’t believe is reporting correctly.
Date updated: 10/05/2012
Last payment made: 10/05/2012
Payment received: $0
Pay status: Current; Paid or Paying as agreed
Date closed: 10/05/2012
High balance: $20,120 from 10/2010 to 3/2011; $20,210 from 06/2011 to 06/2011; $20,120 from 10/2012 to 10/2012
Remarks: Redeemed repo, closed
Obviously the high balance is wrong. The car was repo’d 12/2011. All fees and payments were made and the car was redeemed. Since then, all payments have been on time. But RPO is being shown from 12/2011-9/2012 with the exception of the last month 10/2012 which reads:
Balance: $0
Amount due: $330
Amount paid: $0
Past due: $0
Rating: OK
However, on my EXP CR the TL is reporting in good standing. The status says paid, closed/never late. However, the creditor’s statement says redeemed repo. I have been sending GW letters to the finance company. I can only assume my EXP CR was updated but somehow the TU CR got screwed up.
EQ is reporting payed as agreed, closed or paid account/zero balance. I have a letter from the finance company stating the account was paid in full as of 10/8/2012. I have the title and contract stamped paid. Any suggestions as to how I can have this TL removed or updated on my TU CR without affecting the EXP and EQ reports?
