Credit Mishap (Thoughts??)

[iadorebunnies]

Any explanation would be great. I thought to list a series of events would be better than some long paragraph. I have pics and proof for all events below. 

 

Mid May: Ordered Vehicle (checked credit score showing 730 at the time)

June 7: Toyota Financial Services received payment for old lease

June 12: TFS closed account

 

June 30: TFS reported to the credit bureau account closed on June 12

Friday July 9: Credit was pulled by dealer (first of knowing of outstanding balance on a said closed account)Was able to get bumped to a Tier 2. (Nothing was reported nor sent to me that I had an outstanding balance)

 

Monday July 12: called Transunion because their score was what was pulled that hurt the deal. Transunion said that they show nothing of delinquency on my report AND show no history of it being removed nor it ever being on there in the first place.

 

Evening July 12: called Experian because no other apps were showing a tier 3 credit score. They also said they had no history of it ever being on my report. (Talked to about five differnent people) They put me on a callback list to speak to a supervisor. Associate had said supervisor was in a meeting and would call back.

 

July 13: Called Experian again to figure what happened. Received notifications that my credit score had increased 66 points and delinquency was removed notifications on Experian app. (No certainty that it was removed from report because they said there’s nothing bad on my report. I guess I take their word for it??)

 

Evening July 13: received a notifications from credit apps that Toyota Motor Credit has reported positive activity on a outstanding loan balance. Loan paid.

 

July 14: Called TFS to request document to cross reference dates.

 

July 16: Called TFS to speak to Toyota Motor Credit. Turns out there’s no one to speak to in that department. It’s the same as calling TFS. Called Experian again to ask why they are just now reflecting on my credit that I had an outstanding balance that was just closed on July 13 not what TFS sent which states that it was closed in June 12. Experian had told me that the account was closed in June but when I explained to them that’s not what I’m seeing in my emails and notifications, they became combative and hung up on me. No one can tell me how and why on July 9, a inaccurate mistake cost me money and no one can send me my credit report to verify that there’s no delinquency. TFS agree that someone dropped the ball (but not them) and is willing to send any and all reports they have on my accounts. All credit bureaus has yet to send me to any documentation of removal of alleged delinquency and I will never know what happen on July 9th that cost me money. I’m paying more than I should and I could’ve been out of $1k(nonrefundable deposit to order vehicle) because I will not sign a tier 3 deal. Who knows how long I would’ve been without a car in this market if that were true.

[MarvBear]

bump

[hdporter]

It may be just me, but finding my through the "list of events" feels like tracing a strand through a bowl of spaghetti.

[Sidewinder]

On 7/16/2021 at 2:08 PM, iadorebunnies said:

Mid May: Ordered Vehicle...
...Friday July 9: Credit was pulled by dealer

 

That's where I derailed. 

 

 

[centex]

Was the 730 you cite an actual AUTO score or just one of the common free FICO scores (which are often Bankcard-related scores, or WORSE, not even a FICO)?