Open Question: Credit agency reporting another alert after 3 years.?
I have paid off all of my current loans and for the past year, paying off my older loans as well. I have one more to pay which is Americredit. Now, the vehicle that I had repossessed back in 2006 was a lemon and I tried to file an artribution/lemon law, but with zero cooperation from anyone…so I just quick paying and they picked up my car within 2 months. I finally decided to pay it due to the fact that I did sign for the car back then. Now that I have contacted Americredit after all this time, they decided to alert my report for the 2nd time! I am even paying them now! They have it as a Major Derogatory and now I’m pissed, because it was at the end of my credit and now it is at the top with all the positive payments that I’ve made. I just want to know why they would do something like this when I am paying them after all these years and now they keep calling me everyday. Up until the time that I contacted them a little over a month ago, I have heard nothing from them until I took the initiative to contact them and take care of this collection/charge off. Someone please give me some advice!
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