Collection/charge off CLOSED DATE changed dropping score

[Anonymous]

Hi 

When I disputed the DOFD date on my collection account the bank changed the closed date From Sep 2010 to Feb 2011 and Transunion is showing " My most recent late is 2 months." My score dropped 60 points? My other paid collections "date closed" did not change. Also EQ & EX still show Sept 2010 and I disputed with Transunion the dates and they verified. Any ideas?

[guiness56]

Without seeing the actual TL before and after, it is hard to say.  The closed date should not make a difference.

[Anonymous]

That's exactly what I thought but they changed the "date closed" I tried to put it on her I'll try again.

[Anonymous]

Ok the 1st reply is Myfico Transunion and the 2nd one is Transunion. I have hard copies of before and after too.

[Anonymous]

Union Bank Apr, 2011

Status as of Date opened [?] Date of last activity [?] Date closed [?] Account number [?] Loan type [?] Largest past balance [?] Account Type [?] Account holder [?] Industry

Apr, 2011

Sep, 2004

Feb, 2011

Feb, 2011

XXXXX2113

Deposit Related

$144

Open Account

Primary Borrower on Account

Banks

Descriptions [?]

• Closed

Union Bank Feb, 2011

Status as of Date opened [?] Date of last activity [?] Date closed [?] Account number [?] Loan type [?] Largest past balance [?] Account Type [?] Account holder [?] Industry

Feb, 2011

Sep, 2004

Feb, 2011

Sep, 2010

XXXXX2113

Deposit Related

$144

Open Account

Participant on Account

Banks

Descriptions [?]

• Profit and loss writeoff

[Anonymous]

UNION BANK  #  BOS112113****

POB 85443 SAN DIEGO, CA 92186 (800) 358-3370	Balance: $ 0 Date Verified: 04/2011 High Balance: $ 144 Past Due: $ 0	Pay Status: >Payment after charge off/collection< Account Type: Open Account Responsibility: Primary borrower on Account Date Opened: 09/2004 Date Closed: 02/2011 Date Paid: 02/2011
Loan Type: Open Account - Deposit Account With Overdraft Protection Remark: Closed Estimated date that this item will be removed: 01/2018 UNION BANK #BOS112113****     POB 85443  SAN DIEGO , CA 92186 (800) 358-3370  Balance:  $0   Date Updated:  02/2011   High Balance:  $144  Past Due:  $0  Pay Status:  >Charged Off as Bad Debt<   Account Type:  Open Account   Responsibility:  Participant on Account   Date Opened:  09/2004  Date Closed:  09/2010  Date Paid:  02/2011  Loan Type: Deposit Related Remark:  >Profit and loss writeoff< Estimated date that this item will be removed:   03/2016

[guiness56]

I would do a direct dispute with who is reporting and dispute the closed date.  Be very detailed in what you are dispuing, include copies of the before and after TL on your CR.