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  1. I need some help. In correcting an error on my old car loan with Ally (ex-GMAC), the error was corrected - but the updated information is now also wrong! Ally says my car loan had $120 charged off. If so, they never told me, or sent me any information that there was money due. In fact, they sent me a letter saying the loan was paid and released the title. However, I challenged the NEW information, sending in a copy of the letter as proof. However, Ally seems to have confirmed it. My report shows the car loan was paid off for less than the balance owed - which is costing me ten points on my credit score! (Trying to get to 700-720. Now at 660 after starting at 530.) It doesn't even make sense. Why would I pay $23,000 for my car loan, but not pay the final $120? I don't want to simply challenge the information for a third time, as I'm afraid that the credit bureaus might dismiss me as a chronic and lock the information in. And I've heard sending a GWL to Ally is a waste of time. So, what are my options? Thanks in advance!
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