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'm not saying that Chase is perfect - far from it - but I don't think that they are a "bad" lender, by any stretch of the imagination.Ĭopyright ©2001- Fair Isaac Corporation. I'd agree that any financial institution is probably subject to even more of this kind of vitriol than usual from its unhappy customers - whether or not the insitution itself had anything to do with causing the situation. I totally agree with the above poster that it is quite often the source of online comments/reviews that must be considered before taking them at face value - people who are unhappy because they don't like paying their bills or because they were late but couldn't get their fees waived, or who were treated badly by one individual telephone agent from a company who employs thousands, or who are just plain having a bad day - these people can and do write vehemently negative reviews, and some will take a lot of creative license to create the narrative as well. I never had any problems with them falsely posting things late that weren't. I did pay late fees of some sort for that, but I was okay with it since I was late. I have had auto loans with Chase in the past as well, and on one I did get a little behind (not more than 30 days at any one point) and they were very easy to work with - they rolled a couple of payments to the end of the loan for me. When you have millions of consumers it's hard to keep everyone happy, and reviews are usually written by upset people. Try looking up santander reviews online, or some other shoddy bank and you'll see the same. I would also make sure that your other financial instution can provide the exact time/date that it was sent etc AND do a three-way phone conversation if you must!Ĭhase is a huge bank. if you can prove your payment was elecronically sent and rec'd by a certain date before your actual due date there should be NO fees charged - again read your contract w/them just in case. In regards to the late fees etc, if they start messing with you, I would be calling and demanding to speak with someone. Check your local credit unions or even your own financial instituionĤ. If there is then I would just set up your financial instutions bill payment for the amount that is due and make sure that it gets there a few days early.ģ. Read the contract, see if there is a pre-payment penalty if you pay the vehicle off early. If you can afford it pay double your paymentsĢ. I don't know your financial situation, but I reccomend a few things:ġ. I am willing to give them another try but the minute I start to see the same old issues-ontime payments posted as late, late fees charged for non late payments, continuing to take auto draft payments when the car was completely paid off, etc.- I am pulling the plug on them. Thank you very much! I suppose it's my own fault for not looking into Subaru further but for the finance manager to outright lie and say "no, it's not Chase" still has me mad.
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