Wells Fargo Auto Finance and My Credit Reports.
Dear Moderator, if this is the wrong forum or pub, etc., would you be so kind as to place it in the right one for the most attention concerning this serious personal matter? Thank You.
I received a letter from my State of IL AG office today, which was very nice to have this office on my side, and I am not sure if the contents of the letter is good or bad for me.
The story is that in Nov. of 2006 (I have had my car financed with WFAF since 7/11/2003), Wells Fargo Auto Finance decided to change everyones account number for some unknown reason. It sent my account with them and the credit agencies in a tailwind. They have been reporting false and hurtful infomation to each other about my account with them for almost 2 years. I have spent almost 2 years trying to correct this in every way known to man and women but to no avail.
Now today, as I said, I get a letter from my states IL Attorneys General's Office along with a apologetic(?) letter from WFAF saying they are sorry.
But what WFAF did was remove my account from all 3 credit agencies all together. I did notice that my FICO score went up 10 points, but my thing is that all that 5 years of credit history, which was very good, never missed a payment, etc. is now GONE.
I am not sure if that is good or bad, and my question to you all is....What do you think? Should I leave it the way it is ( I have 10 days to send a letter back to my states AG and let them know if I accept what WFAF did or not), or tell them to update correctly, if they would do that. Anyone gone through this or something like this before?
Your help is very much appreciated.