Thanks for taking the time to read this......
I had a 3 year truck lease thru GMAC financing. My lease was up so I had returned vehicle in early January. I was happy because I actually got some money back. Fast forward til January of this year. I started receiving calls from GMAC telling me that I owed money( 1300$) so I went online to my accountAnd it said zero balance so I thought it was a scam. After a few months I started getting messages from an actual person, So I called them back and they told me I owed money for personal property tax. Even though I only had the truck for approximately two weeks of the year, in missouri, I have to pay the entire year's personal property tax which is such a scam
I called them and set up a payment plan and paid it off. Turns out on my credit report it showed up as a charge-off. I never had any negative marks or anything on my credit report.
I have paid off 3 cars, 1 house, multiple credit cards. Never missed anything. Before this, my credit score was in the high 700s. Now I'm at mid to low 6s. It is just crazy, one thing that I really didn't realize that I had could cause so much damage.
My question...
Is there anything that I can do to try and get my score up or this off? I tried asking them and the guy on the phone acted like there wasn't.
