Further information is available in our FICO Data Privacy Policy. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. I've been left in the dark through all of this, only to be given a "Oh well, too bad".Īm I SOL? Should I combat this with the beaureaus? My credit score has NOT been affected yet, but I'm dreading the moment that it does.Ĭopyright ©2001- Fair Isaac Corporation. Where was the call to tell me that the 799.00 went towards pricipal? Absolutely no one reached out to me at all, about anything. In other words, you follow what the system says so that it shows you account is in good standing, but when it gets to my hand, they are innacurate? It's ok for you to use them not to call me, but it's not OK for me to accept that it says I owe 0? "We don't call, unless we got notified by the system, that your account is past due, and in this case we didn't know until June, after you had called us and asked about it". So I asked them, why wasn't I notified at all? Calls? Emails? Letters? They told me my account had already been reported for 30 days late, and 60 days late, and about to be reported for 90 days if I dont pay. You keep them for your record, but other than that they don't show you what you actually owe. I call them up, they tell me billing statements we mail to you are not accurate. I look at the payment history online, and all of a sudden everything had been readjusted, 799 had been refunded to the principal balance instead of showing that it was applied to the monthly payments before. I login to pay, and boom, my account says its 81 days past due and I owe $814, I missed March and April payments. Ok looks like my monthly payments have returned to the original agreed amount, and the 799 refund has been used up. June's paper statement comes in, says $346.66. Which looks like its a prorated payment due to the $799 not being able to cover 3 months completely. May's paper statement comes, and says I owe $240.98. Still shows the $799.00 credit being used. My 3rd paper statement comes in and again shows $0 dollars due. Looking at all the numbers it looks like they applied the refund of the $799.00, towards the monthly payment which is why I have a due balance of $0. My 2nd statement comes in, and says Balance due $0.00. So my first paper statement comes in Febuary, $344.66. Finance officer said no problem, just have to send cancellation form to TD bank, and you sould see reflection on your 1st, possibly your 2nd statement. When I took delivery of the van, I had spoken to the finance officer and said I'd like to have the gap insurance removed, since my insurance company includes gap insurance for all vehicles under their policy. I also added gap insurance for $799.00, which is also offered and financed through TD Auto Finance, I was told it could be cancelled at anytime. I purchased a van in January 2019 using the TD Auto Finance which the dealership selected for me, they beat my credit unions. I'm in anger and panic mode, and need some advice. And I've been in good standing for 20 years. I've worked my a$$ off to get where I am.
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