Can you help? I don’t think this is reporting correctly.

Mar 122011
 

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.

 

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.

 

Here are screen grabs from both my Equifax and Transunion reports. I’ve highlighted pertinent items. Can you help?

 

 

Why aren’t My Deletions Making my Scores Skyrocket

Mar 062010
 

I’ve noticed by reading the post in this forum that OPs scores are skyrocketing when there is a deletion.  I’ve had 3 in the past 2-3 weeks and my scores are turtleing along…..

 

Any Ideas why

 

My Accounts:

  • 8 good tradelines – (i) car – one payment left til payoff (ii) CC – 10% balance (iii) CC – 0 – 3% balance (iv) 2 CD loans (v) 3 personal loans — never late on any of these accounts
  • ok tradeline – havent been late in over a year – llast late 2/2009
  • 2 settled paid collections – paid off 02/2010
  • 3 collection deletions – deleted late 2/2010 & early 3/2010
  • 3 collections remaining – sent DVs and PFD

 

what do i need to do…i want to buy a home before the tax credit expires.

Message Edited by sugasears220 on 03-05-2010 10:03 PM
Message Edited by sugasears220 on 03-05-2010 10:04 PM