Raphael N.
I returned my car after fixing somebody…
I returned my car after fixing somebody work. I got a bill for 600 for end of lease . I called to say that part of the bill for a scratch but I fixed the car. I was told we will take off 136 dollars if you pay today and close the account. One year later I get an alert on my credit report that I owe Infiniti and it’s 60 days past due. I called Infiniti and they said that I spoke to their credit collection agency and when they say we will close the account. It means you still owe it and we will report you to credit agencies. My score went down 85 points. I argued and after few phone calls they changed it to paid in full as a settlement which ruined my credit for 136 which they said pay today and we will close the account. The people on the phone keep telling me that they have no way to change what gets reported to the credit report. They say that the account is not paid in full but rather closed as a settlement which dropped my fica score by over 80 points. Be careful when they say we will close the account. They are liars and they will destroy your credit stay away . My report showed paid in full for more than a year and then they changed the reporting. They know how to mess up your credit. Stay away



