Product: Consumer Loan

XX/XX/XXXX my FICO Score was XXXX. It took close to two years to get my score to XXXX status. I have open a XXXX XXXX account and they were offering a program that would allow me to build my score by getting secure loans and paying them off on time every month. In the 1 3/4 years I have never been late paying that bill thus raising my score. In the beginning of my auto loan, I was late twice but I called them in advance ( between XX/XX/XXXX to XX/XX/XXXX ). No negative reports made to the XXXX credit bureaus, instead they gave me " Payment Extensions '' which means that my original loan maturity ( XXXX XXXX, XXXX ) was extended by one month. During the life of the loan, I received XXXX Payment Extensions which my new loan maturity date became XXXX XXXX, XXXX. I asked the representative both time I requested the extensions, " What 's the catch? '' Both representative said no catch XXXX XXXX and we started laughing because something this easy is normally meant that it was a catch to it. ( I have XXXX of the HMF Representative on a recording explaining the process of the " Payment Extensions ''. ) Nothing was said because of the payment extensions that they will report to the XXXX credit bureaus - 30 day past due for each extension. 

Before the very last payment was made ( XXXX XXXX ) It started with Hyundai Motor Finance reporting a 30 Day Past Due to all XXXX Credit Bureaus ( XXXX, XXXX, and XXXX ). At this time I was still making the payments as agreed to on or before the due date the XXXX of each month. I have gotten calls from my ex-employers letting me know that Hyundai Motor Finance had been notifying them ( ex-employer ) about my late bill to Hyundai Motor Finance. It was embarrassing because I felt like it was n't my ex-employers business concerning my finances. I contacted Hyundai Motor Finance customer service or collections department. I ask them why was my account in collections? The Hyundai Motor Finance Representative stated that it was because I was close to being 30 days past my due date. I ca n't remember the exact date, but it was in mid XXXX XXXX to ending XXXX XXXX. I asked Representative if you are looking at my account, you will see that I have XXXX payment extensions making my loan maturity date XXXX XXXX XXXX. The Hyundai Motor Finance Representative stated from what he can see, " I have XXXX payment extensions. '' I told him, that did n't make any sense because I only had XXXX. I said furthermore if I had XXXX payment extensions, my loan would mature on XXXX XXXX XXXX. He paused for a minute or XXXX, then said it was because of the original loan maturity date XXXX XXXX XXXX that I was placed in collections. The more the HMF Representative talked the more I understood why my FHA Mortgage Loan was denied. It became clear that Hyundai reported the 30 day past due XX/XX/XXXX which was still incorrect according to the time frame. The HMF Rep. Stated I was 30 days past due, It was XX/XX/XXXX. So, how could I be 30 days past due? The representative ask, " well when could you have the payment in? '' I told him in XXXX XXXX XXXX the maturity date I was told by the other HMF XXXX. I asked him if what he was saying is true, then why is Hyundai Motor Finance sending me monthly invoices stating my next payment is due on XXXX XXXX XXXX? Why does the Hyundai Motor Finance automated system state my next payment is due on XXXX XXXX XXXX? I got so frustrated by the representative my wife snatched the phone out my hand because she knew I would not be able to continue the conversation civilized. Long story short, although I paid as agreed, 30 day past due removed, but score remain below XXXX according to FICO. I followed protocol and have documented everything from Certified Mail, Credit Reports, Account Information both my own and I printed out Hyundai Acct.