tdjackson

Thanks MarvBear, I will reach out to her today.

Hi all, I had a vehicle loan through Capital One. It was listed as a REPO, but the loan is paid off, and I have the title in hand. They did come to get it while I was ill, but didn't. It is now listed on my credit reports as a charge-off for $xx amount of dollars. How do I get them to remove it from there and list it as paid off? I know some of the payments were late, and I accept that, but I want it listed as paid in full, and the title is in my hand. What letter should I send to make this happen? Thanks !!

I have a question. I co-signed for a motorcycle for someone and they let it get repo'd ( I know my fault for co-siging for them) now someone at a dealership(Out of state) wants to buy it. How do I see it and get some of my money back and it cleared off of my credit report? I know the ding is going to be on my CR for a lil while longer, I just want it off beacuse I am trying to buy a new house soon. Please any help or suggestions would be wonderful. TIA

I get what you guys are saying. Yes, I am the executor of the estate. I am the only person they had, never had children nor was never married. I was their Godchild. I think that is what makes this so confusing, it is basically a new vehicle and just don't want to see it go to waste.

Oh yeah it is worth the 29k.

1. I was not going to dispute the paid off loan but figure a way to have them list it as positive to see if I could get a boost in my scores. 2. The vehicle in question was the vehicle of a relative who I took care of and had no heirs but me. Their estate was small and I have been paying the car note with that money for the past few months, and I would like to keep the car for my college-aged children for their use. 3. I can afford to pay for the vehicle but want to make sure that it helps my score instead of theirs being that they passed away months ago. I know I won't get the 0% they got but should I keep paying the note till it is paid off or try to refinance it. 4. I fell back to some of my old ways with my score about a year or two ago. Thanks,

I have some questions for the Board if anyone thinks I should list them as separate ones just let me know. 1. I paid off a vehicle early but the finance company still has it listed on my CR as current and good but not updated as to that I paid it off in May 2018. 2. I have a 2017 vehicle and just inherited another 2017 vehicle that I bought this June. My vehicle is at 12% and I owe about 21K on it. The inherited vehicle is 2017 but at 0% interest and the relative that I got it from upon their passing owed about 29k. any suggestions on what to do with this? What should I do? P.S. my credit score is listed via my discover card is listed as a 619. Thanks,

Can someone send me the file in the .doc format also? thanks, I can't say what the best route is but I tried knocking off some of the low hanging fruit first. (the stuff that fell off easily). That was enough of an improvement to qualify for Househld MC, $0AF and 0%apr for 12 mnths. Picked up Orchard shortly thereafter. Low limits to start but two good tradelines nonetheless. Then I really started the work of knocking some baddies off my reports. Thinking about a secured card ($1000) to help with utilization, and show a decent sized tradeline.

Bump

do da bump

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Here goes. I have used WhyChats repo letter and so far it has worked abeit with the OC who has changed hands several times. It is listed as in Dispute on my CR with a new CA now and the OC is listing it as a repo. My new question is they have it listed as a repo in 2005 and it was repoed in April of 2002. Do I send the new OC who bought the other two old OC's the letter or do I proceed another route? The CA has not responded as of yet and the CRA said that it will be deleted because of lack of a response( I forgot the actual wording). P.S. Hope I have not beat a dead horse with this one but I heard that this last OC can be a monster(Citi/Transouth Fin) Here is a copy of what they have on my CR TRANSOUTH FINANCIAL , (888) 776-3780 Account Number: XXXX Current Status: REPOSSESSION Account Owner: Individual Account. High Credit: $XX,XXX Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.: Installment Credit Limit: $0 Term Duration: 72 Months Terms Frequency: Monthly (due every month) Date Opened: 11/1999 Balance: $0 Date Reported: 11/2006 Amount Past Due: $0 Date of Last Payment: 01/2002 Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: n/a Date Major Delinquency First Reported: Months Reviewed: 16 Creditor Classification: Activity Description: Transfer/Sold Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Auto Comments: 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2006 * * * * * * * * * * 2005 * * * * * * R * * * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * * 2002 * * * * * * * * * * * * 2001 * * * * * * * * * * * * 2000 * * * * * * * * * * * Payment History KEY Meaning Symbol Meaning Symbol Pays or Paid as Agreed: * 180+ Days Past Due: 180 30-59 Days Past Due: 30 Collection Account: CA 60-89 Days Past Due: 60 Foreclosure: F 90-119 Days Past Due: 90 Voluntary Surrender: VS 120-149 Days Past Due: 120 Repossession: R 150-179 Days Past Due: 150 Charge Off: CO

Thats all well and good. Like I said the loans are listed as paid off, and rolled into one big loan now. I just can not find any info on how much of an impact it migh have on her score. I have found no posts on here regarding that. I know how use the search feature, thats what led me to make my orginal post. But thank you anyway for your links.

Ok thanks can you guide me to some of the other posts dealing with this in the fourm? Also do you know if this hurts her score or util? If it does't then I won't bother loosing my mind over it. Thanks again, P.s. Get ready for some more questions I am about to go to Law School and I KNOW I will have to take out some loans. Not much you can do. They will age off after 7 years. There is lots of information in this forum.

I don't know if this can be done, but any help would be wonderful. I am helping DW with her CR and she has about 60k in SL's. Problem is that she put them all together and they now report as one, but the old ones are still on there making her seem like she has more SL's than she really does. Is there anything she can do to fix this, and does this have a negitave implact on her FICO score? TIA, td