can a CO account that has been closed, sold to CA and then PIF’d (to the CA) still be reported 120+ days late from the OC? if not, how do i tackle this? i’ve disputed and it came back verified.
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Mar 142011
This is a car loan that I had through Ford Motor Credit. I supposedly had one payment that was 30 days late in August of 2004. I paid off the loan in January of 2007.
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I don’t think this is reporting correctly, and I’m not sure what to do about it. I know I disputed this a few months ago, but it was pre-myFICO.com and I really didn’t know what I was doing.
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Here are screen grabs from both my Equifax and Transunion reports. I’ve highlighted pertinent items. Can you help?
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Feb 282011
Here is my situation:
I have a couple accts that are reported differently to each cb. ex: hsbc reports nothing to tu, charge-offs every mo to exp, and 120 days late to eq. I want to dispute the account, but i am afraid that it will cause them to report the charge off to each cb and lowering my cs. Can this happen? is it likely to happen?
Just want to make sure I am understanding this correct this account is due to fall off in 2014? And the second on is due to fall of this year June or July? Or are they both going to fall off this year?  Why I’m asking also is they are the same account only thing is the first one is when in went into collections? Â
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Student Loan Account Aes / Wells
| Feb, 2008 |
| Jul, 2002 |
| Oct, 2007 |
| Feb, 2008 |
| XXXXXXXXXXXXX |
| Student Loan |
| $2,515 |
| Installment Account |
| Individual Account |
| Education / Employment |
Descriptions [?]
- Contact subscriber
| $0 | Collection account |
Seven year payment history [?]
| 0 times |
| 0 times |
| 0 times |
Worst Delinquency [?]
| None Reported |
| The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score. |
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Student Loan Account Aes/ Wells Fargo Ed Fina
| Mar, 2006 |
| Jun, 2002 |
| Mar, 2006 |
| Mar, 2006 |
| XXXXXXXXXXXXX |
| Student Loan |
| $1,334 |
| Installment Account |
| Individual Account |
| Education / Employment |
Descriptions [?]
- Account closed by consumer
| $0 | Paid or paying as agreed |
Seven year payment history [?]
| 0 times |
| 0 times |
| 3 times(Jun 2004, May 2004, Apr 2004) |
Recent payment history [?]
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| Legend: |  Unknown |
 Currently paid as agreed |
| Â |  90 days late |
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| Â |  120 days late |
Worst Delinquency [?]
| 120 days past due |
| The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score. |
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Feb 162011
I decided to pull my TU score, since I did a free credit report last month with EQ. The score is kind of low, 675 and it’s a drop from the 703 I had in 08.Â
It says I currently have two negatives impacting my account. I had an Old Navy/GEMB card that was 30 and 60 days late in 09 and the card was closed by them. I’m not disputing that, because I’m pretty sure it’s accurate. They closed the account, but I never received any notification, until I went to use it.Â
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I also have a Chase reporting as 30 days late twice in 2008. I closed the Chase account because the card was just too high to keep open. I’m positiive I wasn’t late, should I bother disputing it or leaving it alone?
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I know my score isn’t horrible, but I was planning to apply for a card and do a balance transfer. I haven’t had any inquires in a year, as I haven’t applied for anything.
Feb 142011
This crap is finally falling off, should I see a decent score increase? Still have other collection though.
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Feb 072011
I dont mean to spam this board with 2 questions in one day, but really I have 2 questions in one day. Sorry guys. I love this board though..
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Here’s my question: I have a Chase CC that I opened in November 2006. The account was closed by Chase in 2008 when I started getting behind on payments. It is currently reporting as “Paid, was 60 days late”. I was 60 days late in 2008, have made every payment since and the account was paid in full in July 2010.
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I am looking to GW to get the lates deleted, but I think I may push to have the entire TL deleted from the report. Do you think this is a good idea or will it effect my AAoA causing more harm that good? Thoughts? BTW, I have 0 CC account open right now.
Dec 152010
Hello all!
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I have the same question about this type of account listed below. I paid this through a rehabilitaion program and now my loans are deferred. Shouldn’t this read current or paid as agreed?
Credit Account Edfin Serv
| Nov, 2010 |
| Dec, 2003 |
| Jun, 2005 |
| XXXXXXXXXXXXX0003 |
| $3,340 |
| Installment |
| Individual |
| Unknown |
Descriptions [?]
- Consumer disputes after resolution
- Collection account
No contact information provided by Equifax
| $0 | 120+ days past due |
Seven year payment history [?]
| 0 times |
| 0 times |
| 13 times(Sep 2006, Aug 2006, Jul 2006) |
Worst Delinquency [?]
| 120+ days past due |
Dec 032010
I had a problem with a client not paying me.Â
I wanted to pay before the 30 days but could only pay today.
My fist due date was Oct 2- second due date dec 2. I paid on dec 3.
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-Will it be a 30 days late?
-Should I call Capitol One today to explain my situation?
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Thanks,Â
Marie