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Everything posted by farmerman96

  1. I guess I should also mention that I got the vin today and got the history report which shows it was re registered shortly after it was repossessed so should I dv the OC which still owns the debt or verify through the CRAs? Sent from my LG-P509 using Tapatalk 2
  2. They came and got it per their request. I would be very disappointed if they made their fees match the sale price of the car. Still not sure where to start with getting it fixed... any ideas? Sent from my LG-P509 using Tapatalk 2
  3. Hey clydesmom, sorry I didn't see your post when I replied earlier. I know that they auction it and the remaining balance would then be my responsibility but there is no difference between what I owed at the time of repossession and what is on my credit. I guess I am looking for advice on how to approach this. I'm going to try to get the vin from my insurance company and see if its been sold but then how might I proceed? Sent from my LG-P509 using Tapatalk 2
  4. I owed 8500 so really anything it sold for would be beneficial. Polaroy, this was in Tucson coincidentally. So still no one that might be able to speak as to the requirements to auction or if it was resold by the dealer if that money must be taken off of what I owe? I appreciate the feedback but am curious about the legal side Sent from my LG-P509 using Tapatalk 2
  5. Thanks Java, never thought of that. Can anyone speak to whether the car must be resold or whether if it is resold that the amount it was sold for must be applied to the balance owed? Sent from my LG-P509 using Tapatalk 2
  6. I guess I should have mentioned that I lost all of my documentation regarding the car over the subsequent 3 moves including from Nevada to Alaska. I know, stupid... Any idea of how to get it? Sent from my LG-P509 using Tapatalk 2
  7. So I have done a lot of reading, to include state statutes, and can't seem to find an answer to my question. for Arizona regarding repossession, Administrative code 17, chapter 5 section 407, it states "A lienholder may sell a repossessed vehicle" but nowhere states that it must be resold. DriveTime repossessed my vehicle through a voluntary repossession but I never received a notice of sale and according to the law since I payed over $500 there would have to be a public notice of resale right? The amount reported on my cr's are identical to the amount owed at the time of repossession, not a dime more or less. This happened back in 2010 and I don't know how to see if they resold it. Any and all info/feedback is appreciated as always
  8. * voluntary repossession that is Sent from my LG-P509 using Tapatalk 2
  9. So I should attack my voluntary report then? Seems reasonable but its within SOL although I never got any notice of auction and the amount reported is the same as when it was repoed so I assume either it was never sold or they are violating laws regarding repossessions. I'm going to post a new thread specific to the repo to see if I can pinpoint which laws are being violated. Thanks for the info regarding auto enhanced. If I were to get the repo off I wouldn't have anything regarding auto loans so I would still have a poor score right? Sent from my LG-P509 using Tapatalk 2
  10. I assume this is the auto enhanced scoring model? On a bit of a whim my wife and I applied for an auto loan at a local dealer. This is the second one in 3 months. The first time a different dealer told me that my score was 480 and my wife's was 538 but this time this dealer told my wife she was at 488 and I was 501. Obviously this is an auto enhanced score but I was wite surprised at the difference. My question is this though, do we have an idea what the auto enhanced score puts most weight on? It seems like installment accounts would carry more weight than revolving accounts but that's based on my own logic so who knows what good that is . DW and I will be needing a new (newer) auto sooner than later because we will be moving further from work and our current vehicle (1986 Ford f350) is unreliable and only gets 7mpg . I have a friend putting myself as an AU on his BofA credit card with 7 years of history but that's about all I can do for positives right now. The expenses from the move have all of our money tied up so can't do a secured card right now. If anybody out there is needing a GP for an AU or is feeling generous I would be happy/grateful Sent from my LG-P509 using Tapatalk 2
  11. No, although I never got a notification regarding the auction and the balance reflects the amount i still owed when I turned the car back over. There has been no deduction from an auction sale. This has been since early 2010 Sent from my LG-P509 using Tapatalk 2
  12. To maybe muddy the water a bit, It shows under closed accounts for positive as well as closed negative accounts, both say pays as agreed and the 81 month payment history shows perfect with mast recent activity being feb of this year which is completely erroneous
  13. Hey all, I have been lurking for short while and have just recently jumped into the wonderful world of credit repair. While reviewing both DW and my own reports, I noticed that a vehicle loan through DT Credit Corp, (DriveTime) shows as pays as agreed and is current although it also lists as a voluntary repossession. We turned the car in voluntarily in 2010 and have never made a payment so not sure why it is listed as such. Anyone else have similar situations? essentially it is being reported as positive credit, no lates but that is way false. How should I approach this if at all?

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