Cardfan2021

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About Cardfan2021

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    Arizona
  1. I live in Arizona and back in May 2018, I filed for Chapter 7 Bankruptcy and I had to give up my vehicles I could no longer afford. In late June of 2018 I was able to finance a lower priced vehicle - even though it had a higher interest rate but was something I could afford. The local credit union who financed the loan was aware that my bankruptcy was to be finalized soon had no problem giving me the loan. I had thought that this was a first step in rebuilding my credit. Fast forward 2 years now, the vehicle I purchased in 2018 that is only 3 years old now had the transmission go completely out and the manufacturer will not warranty it. I am caught in a situation where I am better off trading the car in than fixing it. With 2 years of payments under my belt I had hoped my credit had recovered some imagine going my surprise to find out that the Credit Union had never reported any of the payments I had made on my credit report and instead reported it as charged off as part of the bankruptcy in September 2018. They were never listed on my bankruptcy at all. To make matters worse when I called the credit union yesterday, who has been happy to take my payments for the past 2 years to find out my payoff, the amount they told me was the original amount of the loan from 2018. They can’t explain where my payments went! I don’t know what to do with the car - right now I just want to give them the keys and say take it, you already charged it off 2 years ago. I truly do not know how to fix this, any advice?
  2. I live in Arizona and back in May 2018, I filed for Chapter 7 Bankruptcy and I had to give up my vehicles I could no longer afford. In late June of 2018 I was able to finance a lower priced vehicle - even though it had a higher interest rate butler was something I could afford. The local credit union who financed the loan was aware that my bankruptcy was to be finalized soon had no problem giving me the loan. I had thought that this was a first step in rebuilding my credit. Fast forward 2 years now, the vehicle I purchased in 2018 that is only 3 years old now had the transmission go completely out and the manufacturer will not warranty it. I am caught in a situation where I am better off trading the car in than fixing it. With 2 years of payments under my belt I had hoped my credit had recovered some imagine going my surprise to find out that the Credit Union had never reported any of the payments I had made on my credit report and instead reported it as charged off as part of the bankruptcy in September 2018. They were never listed on my bankruptcy at all. To make matters worse when I called the credit union yesterday, who has been happy to take my payments for the past 2 years to find out my payoff, the amount they told me was the original amount of the loan from 2018. They can’t explain where my payments went! I don’t know what to do with the car - right now I just want to give them the keys and say take it, you already charged it off 2 years ago. I truly do not know how to fix this, any advice?