Hello Everyone, I financed through Autobond Acceptance Corp (finance company in TX) in 05/96. I had difficulty from time to time with the payments, so it got repo but I paid to get it back. I filed BK 13 in 2/99 (got dismissed 08/99 on TU, EQ; Discharged on EX) and included Autobond under the BK 13. Since the BK was dismissed, I notice it listed on all 3 CRA. Here is the problem: 1. TU shows BK with a acct #, but repo with different acct #. 2. EX shows acct status TRANSFERRED (same doc # that reports repo on TU). 3. EQ shows acct status DELINQ 120 (ironically same acct # as TU) I have not had this car in a few years, so my question is how do I get this off my CR? Do I wait until 02/2004 for it to fall off? Do I dispute and if so, any advice how to dispute? Has anyone on here dealt with these people? They are EXTREMELY RUDE to deal with. Any advice is GREATLY APPRECIATED ... Thanks, UNLV34 "Rising slowly day by day to keep creditors away"
Try this, and wait until CHOD to do it (you can search for "CHOD" if you aren't familiar with it). You will like it. On TU dispute the one that has the incorrect account number "have never had an account number xxxxx in bk" (or "with this company") - depending on which it is. Or both, hehe. on EX dispute as "I have never had account number xxxx that was transferred" On Equifax dispute "I have never had an account number xxx delinquent 120 days." It's the little things.....
Hey Breeze, Thanks for the advice. I am familiar with CHOD. If you get a minute, can you look at my thread on 2 BK13's? I got great comments from everyone, including George and primarily CLC. Should I dispute this during CHOD as well? Also, any advice on how to dispute? I have read alot of your post since I have been on here, so the pleasure is all mine .... Thanks in advance, UNLV34
I think that was good advice to wait until CHOD, but I think since that repo is so old you could probably dispute now. Then again, if you are not in a huge hurry you could wait until CHOD. I have a CitiBank account I am saving.
Hi Disputer, I am going to take the advice of the board and wait until CHOD. I am just getting my ducks in a row for CHOD. I plan on using CHOD for my 2 BK13's and for this repo. Good luck with Citibank ... UNLV34
