Auto Lease – Paid in Full / Was a Charge off — Stays on for 12 years??

Tips and Deals Forums Consumer Credit Auto Lease – Paid in Full / Was a Charge off — Stays on for 12 years??

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      In 08/2001 I leased a vehicle with GMAC.* I had alot of problems with said vehicle and being young and dumb….I returned the car to the lot think that this would solve all my problems.*

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      I later found out i owed more than $2000 to GMAC.* Over time (4 years) I paid this off, with the last payment being recieved and made in 10/2005.*

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      I have been repariing my credit and working on not just a good score but honestly being credit worthy, this is the last negative thin on my report.* Both Experian and Equifax have removed it.* However TransUnion still has this listed, with an estimated removal time of 08/2017 – almost 12 years from the date of final payment.*

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      This makes no snese to me.* The report says Lat Payment 10/25/05 – Date Closed 11/04/05

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      Why 12 years?

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