I have a ford auto loan that is paid in full, tradeline read included in chapter 13. I disputed with ford and CRAs. ford sent letter that account is closed. Now EFX score jumped 25 pts, and acct is now listed as closed and for status as "wage earner plan" last activity is 4/1999. My fico says as a neg factor "date of last late old or unknown." Should I be happy with this or take another step, the acct was paid through my chapter 13 plan and is paid in full. Now on the subject of chapter 13...any way to get them off, I have tried not mine and disputing 0 assetts and 0 liabilities with no luck
