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About Zeljka411

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  1. Hi, I had a car repossession in 2014. The account was opened on 2013. The last payment shown on my credit report is 07/2014 (I believe that this is a payment they applied after they sold the car). The account shows closed on March 2014. There has never been a judgement filed or any other collection activity that I am aware of (no collections on my reports). The last balance reported was on that is 07/2018 (almost 2 years ago). Would this be falling off my credit sometime in 2020? Should I dispute this account after July 2020 or just let it be. Thanks for any suggestions.
  2. Also, I did not answer your original question. I do not remember any other bank being involved, I believe Santander is the original and only creditor.
  3. Thank you!! I though it was 10 years in IL (time they have to sue). Thanks again for taking the time to respond.
  4. Hi, new to the forum, thank you to all of you for so much information. I have a repo on my reports from Santander USA. I have a question regarding how it is being reported on my reports (all 3 big ones). It does not show up as a collection account. It shows up as so (attached image). It shows a balance that seems to be increasing. I have received no attempts to collect either by phone or mail. I do not remember receiving anything from them after I picked up my belongings when the car was repo'd. Any ideas if I should try to negotiate a settlement or leave as is until its scheduled fall off date of 2020? My scores right now have rebounded about 60 points each as some public records no longer appear, so I am at 575 across the board and I was just approved for a small line of credit which I will use wisely to raise my scores. After going to cash for everything, I only have this account and my current Auto payment account on my report - nothing else! Crazy after all these years.