Cap1 weird reporting question

[Anonymous]

So my credit report shows (1) 90 day late for Capital One for July 2010.

There is no other data past that date.

The date opened shows as 03/2003 and the date reported since is 07/2010.

I recently sent them a goodwill request with no dates attached. They sent back a letter saying they could no do a good will adjustment since there were no lates between 03/2012 and 02/2013.

So the question is, do I send back another goodwill letter stating the date in question is 07/2010 and open up a can of worms for whatever 60 days and 30 days that might have dropped off to reappear? Or do I try to file a dispute with the CRA for incorrect reporting?

Thoughts?

[RobertEG]

They had no requirement to report a 30 or 60 late prior to reporting a 90 late.

If that is the basis for a dispute, and not the accuracy of having actually been 90 late that month, then I would not dispute.  Additionally, filing of any dispute is apt to kill any potential good-will on their part.

There is always a risk when reporting that could have but was not made is present in the accoun history that raising any type of account review might lead to their addition of that reporting.  The FCRA does not regulate when reporting can be made, only tht reporting must not knowingly be inaccurate, so that is permissible.

You takes 'yur chances.