I had a lease with GMAC that was paid off August 2002. During the course of the lease I was injured on the job and collecting workers comp at 60% of my salary. I was 30 days late 3 times. My problem is this: GMAC is reporting 7 times 30 days late with 4 of those times being October, November, December 2002 and January 2003. The loan was paid off in August 2002! I disputed it with all of the CRAs but they verified as correct with GMAC. I called GMAC, they agreed the loan was paid off in August 2002 and said they would send me a letter stating that fact. Further they said I should have had the CRAs verify the paid in full date. I called Experian and they said they would verify the paid date. Yesterday, I got my Experian report and they have the same 7 late pays. On top of that the letter I received from GMAC simply stated that they have no interest in the vehicle I own. No paid date listed. I am at my wits end with this situation! It is lowering my score and I want to settle this soon. Any suggestions would be appreciated.
Not to be too rough on ya Lipservice, but you've been around here for almost a year. Why are you calling these idiots on the phone. You self validated the debt to the CRA. Also - I've answered your question 5 times just this weekend. Read the board!
