Should I dispute this?

[ambivalent]

Hello!

I purchased my 3B report and noticed on my EX a 90 day late for an auto loan in 2014.  This account was IIB in 2012!  Would it affect my EX score now, 3 years later?  

Thanks for any advice.

[Anonymous]

90D lates are supposedly as bad as anything whereas 60D and 30D age off.  90D affect your score for 7 years.

Dispute for sure.

[ambivalent]

Thank you, I will log back in and dispute.  That is crazy that they can do that.  I think it was a "90 days or later."  I wonder if this is why my EX is 30 points lower than the other 2.

[DaveInAZ]

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@prettylady wrote:

Thank you, I will log back in and dispute.  That is crazy that they can do that.  I think it was a "90 days or later."  I wonder if this is why my EX is 30 points lower than the other 2.

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Yes, it is most certainly the reason.

Did you use an attorney for your BK? If so you might forward the info to them - reporting a late payment on a debt IIB is an attempt to collect a debt discharged by a Federal Judge, a serious violation of federal law. You can probably collect a nice fine/penalty from them.

[ambivalent]

When I logged back in to find it to dispute through EX, it says that it was IIB.  But it's on my myfico EX report that it is showing it as a charge-off.    What should I do?

[RobertEG]

Did the creditor do a charge-off before the BK, or is the loss that is the basis for the CO based on the account having been discharged by the BK?

[ambivalent]

It wasn't charged off before the BK.  I think I made payments up until I filed. Can someone explain this to me because maybe I'm just confused as to why it looks like this.

[RobertEG]

I dont see any reporting of a charge-off........

It appears that they reported referral to a debt collecor in 2014, which would be a disputable inaccuracy if the debt was discharged prior to that date.

[ambivalent]

When I scrolled down to the Payment Timeline and the History.  It says I have 3 30 day lates and then it says Late 90 Plus Days 1 time in Sept 2014.  When I hovered over the little red dot, it said Charge Off, September 2014.  My BK was discharged in Oct 2012.

[ambivalent]

Thank you.  I will dispute this.  Again.