jen01

Oh gosh, I'm gonna get killed here, but I couldn't get through to the courthouse so I called Equifax... I know your not suppose to call them but I did. Anyways I asked why it was reporting as a public record, and the lady I spoke to said that all secured loans report under PR on the report. The Court # that is reporting is actually just a Account #, she said it never went to court. She told me also that my report lists that the car loan from Oct 2010 as being paid, and the current loan I have on my car is reporting as being current. She said that this info does not negatively affect my report, it's just listing my secured loans. If anyone in Canada also has their secured loan also reporting under PR, I would love to know!

Yes I am looking at my free reports that came thru the mail. I've been looking around a lot online as to why this is listed, and the only thing I've come across that that secured loans are reported as a PR on reports butit doesnt give any more explainations. Does any one else have an auto loan reporting under PR? I will call the court house on monday. Thanks.

Bump

Great, thanks. The only crapy thing is that it doesnt say anything about what court this was listed at, but I'll call around to find out. Thanks!

Thanks for your reply. So you think I should be contacting the court first and not the car loan company to see if its an error on their end?

Anyone have any suggestions for me?

Does anyone have any suggestions for me?

Hello, I'm wondering if someone can help me with a Public Record I have listed on my credit reports, and if it should actually be classified as a PR. I'll give the back story first. In Oct 2010 I went to buy a new car, we did up all the paper work and I was approved with Scotia Dealer Advantage (who I had my previous car loan with). After I signed all the paper work, and they submitted it to SDA, I received a call from the car dealership saying that I owed an extra $500 (I forget the reason why right now, maybe it was for commission?). I didn't have the extra $500 cash so I told him to write it into the deal, which he did and I had to go back in and sign off on another contract stating my payments were going to be higher - this happened at the beginning of Nov 2010. This new contract went back to Scotia Dealer Advantage. Now, I have this Scotia Dealer Advantage PR, one in Oct 2010, which states there is no balance owing, and one in Nov 2010, which states the amount of the newest car loan. My question to you is, why would this be in my Public Record section. There is a court case # listed, but why would this have gone to court? Who should I contact first about removing this if that is what I need to do? Any help would be greatly appreciated!

Oops, made a mistake: the PR reported in Nov 2010 states the newer full loan amount, not the balance owing.

Hello, I'm wondering if someone can help me with a Public Record I have listed on my credit reports, and if it should actually be classified as a PR. I'll give the back story first. In Oct 2010 I went to buy a new car, we did up all the paper work and I was approved with Scotia Dealer Advantage (who I had my previous car loan with). After I signed all the paper work, and they submitted it to SDA, I received a call from the car dealership saying that I owed an extra $500 (I forget the reason why right now, maybe it was for commission?). I didn't have the extra $500 cash so I told him to write it into the deal, which he did and I had to go back in and sign off on another contract stating my payments were going to be higher - this happened at the beginning of Nov 2010. This new contract went back to Scotia Dealer Advantage. Now, I have this Scotia Dealer Advantage PR, one in Oct 2010, which states there is no balance owing, and one in Nov 2010, which states my current car loan balance. My question to you is, why would this be in my Public Record section. There is a court case # listed, but why would this have gone to court? Who should I contact first about removing this if that is what I need to do? Any help would be greatly appreciated!

And what is C*?

Well thats good to know, thanks.

Anyone want to help me?

Hello, I'm a newbie just starting off on my credit repair. I've sent out some GW letters hoping to get off some lates. My DH and I want to buy a house next year. I'm trying to clean up his report too but its much more complicated as he declared bankruptcy in 2009, discharged 2010. Anyways onto my question, he has a credit card on his report opened on 2/24/01, but was closed in the bankruptcy in 2009. I looked at his TU report this month and its saying that the last activity on the acct was in Jan, 2012. How can this be? Why would someone activate his acct last month after it was closed for almost two years? I would assume that having 2012 as last activity means it will take even longer for it to come off his report, right? I'm probably going to be asking a million questions cause his report is mighty scary. Thanks in advance for any help in figuring this out.

Hello, I'm a newbie just starting off on my credit repair. I've sent out some GW letters hoping to get off some lates. My DH and I want to buy a house next year. I'm trying to clean up his report too but its much more complicated as he declared bankruptcy in 2009, discharged 2010. Anyways onto my question, he has a credit card on his report opened on 2/24/01, but was closed in the bankruptcy in 2009. I looked at his TU report this month and its saying that the last activity on the acct was in Jan, 2012. How can this be? Why would someone activate his acct last month after it was closed for almost two years? I would assume that having 2012 as last activity means it will take even longer for it to come off his report, right? I'm probably going to be asking a million questions cause his report is mighty scary. Thanks in advance for any help in figuring this out.