“WFDS” is a credit report code that stands for Wells Fargo Dealer Services (the bank’s auto financing division). So if you have an auto loan from Wells Fargo, or you recently applied for one, it’s normal for “WFDS” to appear on your credit report.
And if you opened your account before Wells Fargo’s 2008 merger with Wachovia, the notation might read “WFDS/WDS”. In that case, WDS refers to Wachovia Dealer Services.
The payoff amount on an auto loan includes the principal, interest payments and any prepayment penalties or any other lender costs. The fastest and most accurate way to find out what the payoff amount would be to get the quote from your lender. If you have an online account with them, you could locate the payoff amount there, or you could just call a customer service representative and ask over the phone. Hope this helps.… read full answer
Tax liens no longer appear on credit reports effective April 2018. Prior to that change, unpaid tax liens stayed on credit reports indefinitely while paid liens stayed for 7 years (starting on the payment date). So if you see a tax lien on your credit report, you should file a dispute… read full answer with the credit bureau that produced your report.
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