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Ok so here is the story. I voluntary repoed my car back in 2010. The original creditor was HSBC auto finance however the baddie is showing up on my credit report THREE times. Here is whats reporting.
Hsbc/Scusa
Nov, 2010 |
Jan, 2008 |
Nov, 2009 |
xxxxxxxx1000 |
Auto |
$10,723 |
Unknown |
Individual |
Auto Financing |
Mar, 2010 |
Jan, 2008 |
Sep, 2009 |
Mar, 2010 |
XXXXXXXXXX5989 |
Auto |
$10,723 |
(48 Months) |
Installment |
Individual |
Auto Financing |
May, 2012 |
Jan, 2008 |
Nov, 2009 |
XXXXXXXXXXXXX1000 |
Auto |
$10,723 |
Unknown |
Individual |
$301 |
Auto Financing |
Santander bought HSBCs auto portfolio around that time so I can see why it would report it twice but not sure why it reports three. I have an old HSBC CC that changed to cap 1 that I canceled a couple years back that reports as two separate closed accpunts. Not sure why it happens. Curious to hear what others have to say.
Dispute the one with HSBC.
It's because of the change in company name.