Hello All, Well after 7 months of battling with this rep and that rep, Ford Motor credit has finally agreed to report my account correctly. This means the 90 days late in April of this year and 60 day late in July of this year will be removed. They of course have no idea why my reports shows this, but have put together a manual report stating that as false. I am not going to get excited until Trans Union and Equifax, which are the only two reporting this, make the change. I have been unable to refinance my loan because of these stupid errors. I wonder if I can sue the CRAs even after the correction is made for damages (higher interest rate on loan). Mike G.
Mike- I had a problem with Ford and I went to PlanetFeedback.com and threatened a lawsuit if they didn't remove the late payments. I had nothing to back me up other than my gut feeling that I wasn't late. I got an email today (I sent the email Friday thru PFB) saying they will remove the late pays. EQU was reporting never late TU was reporting 1 late and EXP was reporting 3 lates. Go figure! Congrats! You might be able to sue for not properly investigating. I'm not 100% sure though. Write a letter to the credit bureaus requesting the procedures they used to verify the late pays. KHM
