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FAQs
Common questions about credit reporting
We send a range of account information, including loan or lease amount, account balance, scheduled monthly payment, payment history and account status.
The information we report is required to be complete and accurate. Because of this, we don’t make goodwill or courtesy adjustments. We understand that you may be concerned about the potential impact of a late payment. Learn more about credit reporting information, including tips for raising your credit score.
A payment may be reported as past due if it’s received 30 or more days after the due date.
You’re entitled to a free credit report every 12 months from each of the three major credit reporting agencies. To get your report or for more information, go toÂ
If you think we’ve reported information incorrectly, you can dispute it with us and/or with the credit reporting agency.
Please send us detailed information, indicating what you think is inaccurate and why, and include any documentation you have. This may include marked-up copies of the credit report specifying the information you’re disputing, the front and back of a check, stop-payment confirmations or express mail receipts. Send the information to:
Chase Auto
700 Kansas Lane
Attn: Credit Bureau Disputes LA4- 4022
Monroe, LA 71203-4774
You can also provide the information directly to the credit reporting agencies by calling them at the numbers listed below:
Equifax: 1-866-349-5191
Experian: 1-800-493-1058
TransUnion: 1-800-916-8800
Innovis: 1-800-540-2505
Car dealerships may send your auto loan application to multiple lenders to determine financing options. Contact the dealership if you have more questions.
Chase does not control credit scores. Credit scores are generated by the credit bureaus. Please contact the credit bureaus for more information on how credit scores are calculated.
Once you pay your balance, we’ll request an update to your credit report to reflect that it’s been paid. Since the account was paid after charge-off, this status will remain on your credit report.
The timing of when your credit report will reflect a recent update to your account is dependent on the credit reporting agencies.
Your feedback is important to us. Will you take a few moments to answer some quick questions?
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