Chase Car Repo dropped off Transunion

[Blue Demp]

This baddie has has been a thorn on my side. Couple weeks ago I noticed my Transunion Fico score jump to 789, which got me excited again. How do I get it removed from Equifax and Experian?

 

Thanks in advance!

 

 

[Klesko]

Who is it with? From what I see the EX shows Dofd as being July 2009 meaning you can call and have it removed as too old from EX in April. The EQ one will remain until Oct 2016.

 

Now what you should do depends on what your plans are and your risk factor. You could dispute these again and hope they drop off. Waiting is the much safer route at this point though unless you just really need to get them off your reports now.

[trachkids]

Who is it with? From what I see the EX shows Dofd as being July 2009 meaning you can call and have it removed as too old from EX in April. The EQ one will remain until Oct 2016.

 

Now what you should do depends on what your plans are and your risk factor. You could dispute these again and hope they drop off. Waiting is the much safer route at this point though unless you just really need to get them off your reports now.

+1

 

 

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[Blue Demp]

Thanks for your feedback! The repo is paid off, so there is no risk of them coming after me. Chase repo my car after failing to pay my last payment of the loan ($800). Lesson learned...

[Klesko]

Thanks for your feedback! The repo is paid off, so there is no risk of them coming after me. Chase repo my car after failing to pay my last payment of the loan ($800). Lesson learned...

 

I was not talking about the risk of them coming after you for the debt. The bigger risk is them updating in a negative fashion causing your reports to look worse. It happened to me, had a repo in a BK and VW updated as past due with a balance, Been a two year battle and they refuse to remove or update.

[Blue Demp]

Update: I disputed online with Equifax. My reason was "Never been late". I got this response a week later "We have researched the credit account. Account # − xxxxxxxx* The results are: There is no historical account information currently on this account. This item has been deleted from the credit file. If you have additional questions about this item please contact: Chase Auto, PO Box 901003, Ft Worth TX 76101−2003 Phone: (800) 336−6675".

 

Now to dispute it on Experian... Debating on calling them vs writing letter. They've barred me from disputing it online.

Edited January 13, 2016 by Blue Demp

[deanmartini]

Awesome!!!

What was your TU score before it dropped off?

[Big Bear]

Update: I disputed online with Equifax. My reason was "Never been late". I got this response a week later "We have researched the credit account. Account # − xxxxxxxx* The results are: There is no historical account information currently on this account. This item has been deleted from the credit file. If you have additional questions about this item please contact: Chase Auto, PO Box 901003, Ft Worth TX 76101−2003 Phone: (800) 336−6675".

 

Now to dispute it on Experian... Debating on calling them vs writing letter. They've barred me from disputing it online.

Congrats on the removal. So EQ dropped the entire tradeline and not just the lates?

 

I'd highly suggest writing EX over calling them.

[Blue Demp]

 

Update: I disputed online with Equifax. My reason was "Never been late". I got this response a week later "We have researched the credit account. Account # − xxxxxxxx* The results are: There is no historical account information currently on this account. This item has been deleted from the credit file. If you have additional questions about this item please contact: Chase Auto, PO Box 901003, Ft Worth TX 76101−2003 Phone: (800) 336−6675".

 

Now to dispute it on Experian... Debating on calling them vs writing letter. They've barred me from disputing it online.

Congrats on the removal. So EQ dropped the entire tradeline and not just the lates?

 

 

I'd highly suggest writing EX over calling them.

 

 

Correct! I just checked Experian online to dispute the Repo and found they deleted it as well. WOOT! I now have a squeaky clean credit report!

Edited January 13, 2016 by Blue Demp

[Big Bear]

 

 

Update: I disputed online with Equifax. My reason was "Never been late". I got this response a week later "We have researched the credit account. Account # − xxxxxxxx* The results are: There is no historical account information currently on this account. This item has been deleted from the credit file. If you have additional questions about this item please contact: Chase Auto, PO Box 901003, Ft Worth TX 76101−2003 Phone: (800) 336−6675".

 

Now to dispute it on Experian... Debating on calling them vs writing letter. They've barred me from disputing it online.

Congrats on the removal. So EQ dropped the entire tradeline and not just the lates?

 

 

I'd highly suggest writing EX over calling them.

 

 

Correct! I just checked Experian online to dispute the Repo and found they deleted it as well. WOOT! I now have a squeaky clean credit report!

 

 

 

 

That's a HUGE milestone!!!

[Blue Demp]

 

 

 

Update: I disputed online with Equifax. My reason was "Never been late". I got this response a week later "We have researched the credit account. Account # − xxxxxxxx* The results are: There is no historical account information currently on this account. This item has been deleted from the credit file. If you have additional questions about this item please contact: Chase Auto, PO Box 901003, Ft Worth TX 76101−2003 Phone: (800) 336−6675".

 

Now to dispute it on Experian... Debating on calling them vs writing letter. They've barred me from disputing it online.

Congrats on the removal. So EQ dropped the entire tradeline and not just the lates?

 

 

I'd highly suggest writing EX over calling them.

 

 

Correct! I just checked Experian online to dispute the Repo and found they deleted it as well. WOOT! I now have a squeaky clean credit report!

 

 

 

 

That's a HUGE milestone!!!

 

 

I know! Thank you! I never thought this day would ever come. Glad I was persistent... For anyone reading this and struggling to fix their report, don't give up! If you hit a roadblock, take a break then come back to it later. Don't ever give up!