You should try to contact the lender by phone first. If that does not work, you can send them a letter requesting that they update the information. Filing a dispute through the credit reporting agencies should be a matter of last resort. Keep in mind, though, that paying off a car loan generally does cause credit scores to dip initially, and the bounce back can take up to a few months.
How do I get a paid-off car loan removed from my credit report?
Answered by Car Loans Expert Johnny on January 28, 2021I paid off my car loan months ago, but the full initial balance is still showing on my credit report. How do I remove the balance from my report?

Johnny
Car Loans Expert
Have an insurance question?
Our insurance agents are ready to help you, for free.


