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US Bank Auto loan inaccurate reporting

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sobreezy
Contributor

US Bank Auto loan inaccurate reporting

Wasn't sure where to post this but here I am.  In Aug 2009 I didn't make my payment to US Bank and continued to not pay until Nov 2009 when I backed for the previous 3 months and paid Nov 09s also.  Every since then I have paid them on time.  However US Bank continued to report me late for 30 and 60 days alternating months for each for an entire year.  At that time I was deployed and wasn't concerned with righting wrongs and being responsible with debt.  My question is how do I get this fixed? Do I send GWs or dispute online? Please help this is dragging my scores down.

MyFako scores EX 594, EQ 553, TU 589 as of 10 Jun 11
myFICO EQ 614 TU 599 EX 644
Goal 700 by March 30 2015
Message 1 of 3
2 REPLIES 2
LIGHTNIN
Moderator Emerita

Re: US Bank Auto loan inaccurate reporting

I would call or send a letter to US Bank.

Asking why do they continue to report 30 & 60 day lates, for an entire year after your account was current.

I would also send a copy of your military Orders,at the time you were deployed.I believe that should help.

 

I maybe wrong but I thought there was an office in the military, that helps our service men/women with these things.

There are many service people here on this forum, maybe one of them will chime in.

Thank you for your Service.Smiley Wink

FICO Dec 2025 EQ760~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Message 2 of 3
sobreezy
Contributor

Re: US Bank Auto loan inaccurate reporting

thank you for your response.  And they do have offices to help but they are overwhelmed so I rely on myFICO.  I will send them a letter with my orders hopefully that will help.

MyFako scores EX 594, EQ 553, TU 589 as of 10 Jun 11
myFICO EQ 614 TU 599 EX 644
Goal 700 by March 30 2015
Message 3 of 3
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