Reply
Regular Contributor
Posts: 217
Registered: ‎06-19-2008
0

120's showing unchanged...

Hi its me again :smileyhappy:

I was on a payment plan with Nicor gas and I missed 1 payment--which sent me in a tailspin of depression!  Anyway, recovered after much therapy (here..j/k) and got back on track.  Question is:  I was on a payment plan, missed a payment after making a few, Nicor reported *boom* 120 days late...!  So, while I had my head buried under the covers and kept-on ignoring it, I managed to incur (4) 120 days late on my Nicor in a row.  I have disputed with Transunion that it really should be 30, 60, 90, 120  (I am now paid up and back on track, TG!) to no avail, and called Nicor as well, any suggestions?  When I got that first 120, my score dropped about 100 points, I think, so getting a few changed should help, shouldn't it?

 

Thanks again!

6/30/08 TU 441 EQ 425 EX 513
8/01/08 TU 499 EQ 488 EX 489
8/23/08 EQ 556
9/04/08 EQ 567
11/14/08 TU 531, EQ 582, EX 509
12/29/08 EQ 620 (yea!) EX 546 TU 555
1/17/2009 TU 568 EQ 620 EX 584, 4/15/09 TU 506, EQ 612
5/24/09 TU 558, EQ 646
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.