Can anyone help me deal with this Tu account?..I have similar problems with EX(ex shows a recent repo though after dispute on an old charged off account)??? and EQ but I'm doing it one CRA at a time.
I'm going to dispute with CRA just wondering what to say.
This is a charge off account that I pay regularly/monthly to the lender's collection department..it doesn't appear in my collections section though..(it is listed in regular accounts).
No point doing a pfd as they wont do it .
The balance is incorrect (its alot lower)
It is actually closed..as its a charge off...but it is listed as open.
I disputed some inaccurate lates on it (stupidly!) and they were all removed ..but now fico in its infinite wisdom says I missed a payment in Feb in my reasons for low score ..my last activity being listed being NOV 04 (when the account was actually charged off) they never update my payments as they go through a different department..
I have no idea where fico got this missed payment from but as it isnt actually on my credit report what do i do?This is the only account red flagged so it has to be this one . I actually have no lates on my file.
I wrote along letter explaining everything to creditor and they havent replied (5 weeks ago)..showing credit reports before and after dispute and how the status date changed things but they don't seem to care I guess as i haven't got a reply.
Maybe I should put this in understanding fico..as i don't understand this
You recently missed a payment.
3 Months ago
Most FICO High Achievers [?], about 93%, have no missed payments at all. But of those who do have a missed payment, it happened nearly 4 years ago, on average.If you missed a payment, your FICO score evaluates how recently that missed payment occurred. In general, the more recent the missed payment, the more impact it has on your score. In your case, your last missed payment happened recently.
What to do about this: If the late payment on your credit report is valid, you should focus on continually paying all your bills on time. This will demonstrate a good payment history so that your last missed payment will have less of an impact on your score as time passes.
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Other Account xxxxxxxxxStatus as of [?] Feb, 2008
Date opened [?] Feb, 2002
Date of last activity [?] Nov, 2004
Date paid out [?] Not Reported
Date closed [?] Not Reported
Account number [?] XXXXXXXXXX0806
Loan type [?] Consolidation
Credit limit [?] Not Reported
Largest past balance [?] $9,857
Terms [?] 144 Monthly
Account Type [?] Installment Account
Account holder [?] Individual Account
Scheduled payment amount [?] $134
Account status [?] Account is Open
Descriptions [?]
- Profit and loss writeoff
Contact Information [?]
Balance [?]
Current Status [?]
Past Due Amount [?] $9,684
Charged off as bad debt $9,684
Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times
Worst Delinquency [?] None Reported
@granny031350 wrote:not sure this is related to your late but I called MYFICO today about the same message on my transunion and begged them to show me where the late was in the last 5 months. They couldn't find it and kicked it upstairs to a supervisor. Later in the day I got an email that said it was "under review" and "resolved" but I haven't officially heard anything as of yet. They were suppose to call me back. So will see. Perhaps yours is the same issue. A glitch with Transunion and Myfico?
Was this issue ever resolved? I am seeing the same thing on my report.
Starting Score: 565
Looks like I need to start a new one