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Hello,
I recently paid off a loan from Prosper. The last time I checked my credit report, I noticed that Prosper only reported the very first (back in 2009) and has never updated my balance. Do I have to contact them to report me at 0? Are they obligated to update the tradeline or am I stuck with a $4000 balance on my credit report forever?
@hyprble wrote:Hello,
I recently paid off a loan from Prosper. The last time I checked my credit report, I noticed that Prosper only reported the very first (back in 2009) and has never updated my balance. Do I have to contact them to report me at 0? Are they obligated to update the tradeline or am I stuck with a $4000 balance on my credit report forever?
I've never dealt with any P2P places so I'm not really sure.
I'd call Prosper and ask them. You can also dispute the balance with the CRAs, but they just might delete the whole tradeline.