They told me that if they rate me as â??non ratedâ? on my credit report that a creditor could call them and get the full story of the repo. So in other words its not going to do me much better to have the non rating "contact creditor for more info" rating, right? I figure maybe I should go for the low payoff of $3200.00 and then dispute the account with the CRA's later. Does that seem like the best way to go about this? Please any info or advice would be great. Thanks for your time!