I’m looking for some straightforward information about how to properly repair my credit [and remove a flag from my report] that was damaged by a crooked car dealership.
I bought a car, with a trade-in, in November 2010. It took the dealership 45 days to get me financed’ which is absolutely ridiculous because I have never had a credit score below 700 and I have always been instantly financed. In a nutshell, over that 45 days my trade-in was not paid off so I “missed a payment”, due to the idiots at the dealership. Is there any way for me to prove this company dishonest and get this flag removed from my report that has severely damaged my score?
A little more background on the seemingly routine deal: I’m currently military living in a primarily military town and have heard of many soldiers being screwed by this company before. A couple days after i took the new car home I was called to come back in for some paperwork that they had missed. Every week thereafter there seemed to be something else the dealership missed and kept calling me back for [i refused to pay more than originally discussed and never renegotiated terms]. anyways, after a couple weeks of not being financed i started to get really upset, to which they replied they just needed a couple more days. After I told them I wanted my car back [threatening JAG involvement] i was magically financed.
Anyone have information that can help me get my credit score back to how it was before this “deal”?
I have already tried to dispute it with the credit agencies with no progress because I wasn’t really able to explain the whole situation. They just saw the dispute as me saying “oh yes, i did pay you”, when of course their records say I didn’t.