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I wrote a letter PFD and they just reported it on my credit report again

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Anonymous
Not applicable

I wrote a letter PFD and they just reported it on my credit report again

Long story short,
 
I wrote the standard PFD letter and I got credit updated and they re-dated the  unpaid bill as today's date. What gives? Is this common?
Message 1 of 3
2 REPLIES 2
annah
Contributor

Re: I wrote a letter PFD and they just reported it on my credit report again

Happened to me. I have no idea how to fix it, except keep bugging them with PFD letters.
Message 2 of 3
llecs
Moderator Emeritus

Re: I wrote a letter PFD and they just reported it on my credit report again

They (the account) probably just updated the account rather change the date (DOFD, DOLA). When they update the account, the line item at top of the listing says something like "report last updated on..".
 
The OC or CA doesn't have to accept a PFD and they can continue to report whatever. If you suspect the DOFD was changed, you could look at your reports directly from each CRA and see if the removal date changed any.
Message 3 of 3
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