My husband and I have a late payment that is showing up on a paid off car note from two years ago. We didn't find out that we were showing late until we looked at buying a house a few years ago. The loan was through WAMU. The car only had about 3 payments left, when we found out. We called to find out what was going on, because it was showing us 30 days late every month for about two years on a three year note. After having WAMU research this, they informed us that we didn't pay our first or second car payment. We know this isn't true. Unfortunately, we paid for a few payments with money orders and didn't keep the stubs from that far back. We aren't sure, if they didn't receive the payment, or they just put the payment to the wrong account. What we don't understand is how they could have us a month behind for almost 3 years and not contact us once. Do you think we could dispute this and have it removed or would a GW letter be better?
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