Remember, you can use your mobile phone to configure vehicles and compare your options at the dealer! If you have recently applied and funded another loan with Capital One Auto Finance, this might impact your eligibility for a new loan with this pre-qualification. When you are ready to finance a vehicle, take your Auto Navigator Offer Summary to a participating dealer to let them know you are pre-qualified for auto financing with Capital One. The Offer Summary will include an estimate of the financing terms you could qualify for when you apply for financing at the dealer. Remember, your pre-qualification amount can only be used for the purchase of one, personal use vehicle. If you pre-qualify, you will be able to see your monthly payments, APRs and Offer Summaries for vehicles you may be considering. We review the information you provide to determine whether you pre-qualify with no impact to your credit score. Use Auto Navigator to pre-qualify for auto financing prior to visiting a participating dealer. Repeatedly submitting the same dispute information without additional supporting documents, even if you do so through different channels, will not change the outcome of our investigation. Please also understand that when Capital One Auto Finance receives a dispute or complaint related to credit reporting, we conduct an investigation and inform you of the results. Click here to learn more about the following warning from the Consumer Financial Protection Bureau: “eware of anyone who claims that they can remove information from your credit report that’s current, accurate and negative. Note that neither you, nor credit repair companies acting on your behalf, have a right to have late payment information removed from credit reports if it is accurate.
These companies may even charge you to use their dispute or complaint templates. Please be wary of any online sources or “credit repair” companies advising you to seek removal of accurately reported information by claiming we are violating your Fair Credit Reporting Act (FCRA) or privacy rights by accurately furnishing your information. If you choose to file a dispute with the CRAs, note that dispute-related communications will come from the CRAs, not Capital One.Īs a lender that furnishes information to credit reporting agencies (CRAs), like Equifax, Experian and TransUnion, we have a responsibility to furnish customers’ account and payment information accurately and completely. Please send your dispute and supporting materials directly to Capital One Auto Finance at the address listed below:
When filing your dispute, we strongly encourage you to provide us with the specific information you believe was inaccurately or incompletely reported (such as payment dates or account status), and include supporting information that would help in the investigation (e.g., front and back of check, bank statement, marked-up copy of the credit report, etc.). We recommend downloading and completing our Credit Report Dispute Form and providing all relevant information that explains your situation.
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If any changes are deemed necessary, note that the CRAs will typically update your credit report(s) within 1-2 billing cycles after the investigation is complete.įiling a Dispute with Capital One Auto Finance
We will investigate your dispute using the information provided, and respond within 30 days. If you believe that the late payment shown on your credit report is inaccurately reported, you can file a dispute with us or through the credit reporting agencies (CRAs), like Equifax, Experian and TransUnion. The Fair Credit Reporting Act (FCRA) gives you the right to dispute information you believe to be incomplete or inaccurate and requires furnishers like Capital One Auto Finance to conduct reasonable investigations of disputes.
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