question about CRA validating debts

Tips and Deals Forums Consumer Credit Improve credit question about CRA validating debts

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    • #244111
      dealpal
      Keymaster

      It took me a while but I finally found some information on our old auto loan that was paid and closed 2 years ago.* At first, I called the number on the CR and it didn’t work.* I searched online and called some other numbers with no*luck.* Checked BBB and it stated that it might be out of business because letters sent to the address were returned.
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      Finally found out that the company was bought out by Triad and then Triad was bought out by Santander.* I then called Santander who we currently have another auto with and they were able to pull up our old auto loan.* Was kinda hoping that they couldn’t find it.
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      Does anybody know who the verification process goes with the CRA?* I guess I’m curious to see if they will search for the info all the way to Santander or does t e-oscar pretty much provide all the info when companies get bought out.
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      I’m tip toeing around putting too many disputes on my report but I have a handful of 30 day lates on this auto loan that I wanted to GW.
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      Should I just avoid a dispute with the CRA and GW*Santander?* The lady gave me the phone number for their credit disputing department.
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      My only fear with GWing Santander is our standing with our current loan with them.* On our CR it’s perfect.* We don’t have a single 30 day late payment.* However, every month we are about a week late because we have to wait for our paycheck to be deposited (once a month) so we always get phone calls from Santander looking for the payment.* Not sure if this will hurt our chances of getting the late payments off our old account GWed off.
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