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I’ve been on a credit score restore mission for nearly precisely a 12 months, and I simply now discovered this sub.
I’ve triumphantly raised my credit score rating by 100+ factors and eliminated each assortment and derogatory from 15 years of irresponsibility and neglect. The entire collections however one- A repossession from 2017 that seems to have inaccurate data on my credit score report. I’ll want an auto mortgage within the subsequent 3 months, and desperately want r/CRedit recommendation.
I shouldn’t have any of the paperwork or contract data from this creditor. I signed the contract in Tennessee with a down fee at an in-house financing automobile chain and it was repossessed in Reno, NV a pair months later. I handed over the keys to the tow-truck driver.
Listed here are some discrepancies in my credit score report:
The date of final exercise, date opened, omission of closed date, fee quantity, and fee frequency are all inconsistent.
Experian stories fee standing as “Merchandise was taken again by credit score grantor/there could also be a steadiness due.” Transunion stories “repossession.” and SmartCredit utilizing VantageScore 3.0 stories:
“Cost off” with a overdue steadiness.
Is there something on right here that might be justifiable to have this faraway from my credit score report? What’s my greatest plan of action? I assume I ought to write a letter to the creditor/company? Is there any templates or detailed directions anyplace on writing these letters? I respect your time and willingly settle for all recommendation.
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