Petalflower Posted July 30, 2013 Report Share Posted July 30, 2013 I can't seem to find this anywhere. I filed for bankruptcy in 10/09, and, depending on CRA, credit score is in the 650-690 range. My problem: My car loan has been "paid as agreed" the entire time, and doesn't appear on my credit report that way. It shows as first delinquency 11/09, even though I continued making payments, never missed one, and reaffirmed the loan. I have the proof that this is wrong (60 months of ontime car payments). I'm going to dispute this, but I'm afraid that Capital One and/or the CRA's will just delete the negative entry, and not report the 5 years of on time car payments. I'm aware that companies aren't required to report to CRA's. (Perhaps this isn't always a bad thing; I have several dept. store accounts, with a lot of available credit. Even though I've used very little of, it that amount of available credit might make potential creditors nervous.) Obvious question: since Capital One does report to the CRA's, do I have any recourse if they just delete the negative account. I suspect that, with 5 years of on time car payments, my credit score will experience a sizable jump. Link to comment Share on other sites More sharing options...
admin Posted July 30, 2013 Report Share Posted July 30, 2013 @Petalflower - You have no recourse if they choose to just delete the negative. Unfortunately. However, I would say that it's pretty likely they will just update the payment history if you send them proof. Link to comment Share on other sites More sharing options...
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