I took out a car loan in Sept 2014. In July 2018 the credit union underwent a huge change, changed names, redesigned the app, etc. I believed my payments were still being deducted through autopay and the app was showing that they were being made. I guess the autopay didn’t transfer over when the CU underwent the changes. Regardless, it was my fault for not ensuring that the funds were actually being deducted.

Thus, my car was repossessed in March 2019. The first date of delinquency was August 2018 (right after the change). The CU allowed me to pay the ~$3,000 in arrears for the missed payments, allowed the repo to release my vehicle back to me, and reinstated the loan for the remaining balance of ~$1,200 to be paid monthly from April 2019 - September 2019 (which I did without issue).

My question: my Experian report shows the months of April - August 2019 as CO (charge off), with the final payment in September 2019 as a green check mark, or ‘paid on time’. Am I able to dispute the months of April - August since the loan was reinstated and I successfully made the monthly payments on time? Would it even matter at this point?