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My Kia Sucked and I Want It Off My Credit Report

Written by Steve Rhode


Dear Steve,

Purchased new Kia several yrs ago (2005) Extended warranty was purchased for 100,000 miles.

Transmission went out at 30,000 miles and the dealer would not honor the warranty. Told me I wasn’t driving correctly. No amount of discussion would do any good & they wanted $4,000 to repair. In pure frustration I drove to the dealership and left the car there. I told them to keep the car.

Repo man came the next month and I told him the Kia was sitting in the dealers lot. I later found out that the dealer had sold the car to someone else. Due to several moves and a flood I not longer have any paperwork regarding this purchase

How can I get this debt removed from my Credit Report?



Dear Michael,

Wow. That’s not going to happen.

You abandoned the car over a dispute. If this was a used car and you had an extended warranty you should have raised your consumers with your State Attorney General at the time. If the extended warranty was from a commercial company, many state insurance commissioners regulate extended warranties. It is possible you could have required the dealer to honor the warranty and repair the vehicle.

If this was a new car then state Lemon Laws may have protected you.

As it stands, you appear to have abandoned the vehicle with an outstanding loan amount due.

That line of credit should be reported as a negative item on your credit report since it seems to be a factual statement.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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