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Originally Posted by robinbobbin  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? |
Oh man......I don't think they can do that (continuously report you as 30 days late every month) That HAS to be tankin your score!
I would try calling and literally begging.......explain the situation and that if you knew you were that behind, you would have given an extra payment.......or figured it out and settled it then. Give them a good reason and sometimes you will find the right person to help you. Try to stay calm and polite. If whoever you speak to can't help.......ask to speak with their supervisor......and keep moving up if you need to.
If that doesn't work, try writing a big wig. Research the company and see if you can find the address of the president.......or ceo.
You also need to look into the FCBA (fair credit billing act) to see if reporting lates like that is even legal. Not sure that's right.