So on a whim, I just decided to open up my CreditKarma app to check my credit. No idea why I decided to do it, but I did. My Equifax was down a 4 points, but my Transunion dropped 89 points! I was, obviously, not too happy. I pay everything on time or early. And I just sold a rental property so my debt to income should have been even less. I go in to check my report and "potentially negative" pops up. A loan I paid off in September says closed, 30 days past due. Looking on the report, it showed every month from January to August, what was due, what was paid, and then $0 for late fee. In September it showed that the entire balance was paid in full. October, nothing due, nothing paid, nothing late. Same in November. December is showed nothing due, nothing paid, but 30 days late. So I just got off the phone with 2 of the 3 reporting agencies and was told it could take up to 30 days to fix. I have to call my bank on Monday to try to get them to remove it more rapidly. As much as I want my car, now I need it to hold off until I get this taken care of. If my VIN gets assigned in the next week, I will know Elon is messing with me purposefully (I also will be out of town next week....so it would be a double whammy).