Confused about Conn's

Anonymous · ‎04-24-2017

Can someone help me understand what this Conn's account is:

Doing to my credit.
Repeatedly showing up on Eq and Exp

The account is listed as "Account legally paid in full for less than the full balance" but shows up as:

Late 90+ 27 times (Feb 2017, Jan 2017, Dec 2016, Nov 2016, Oct 2016, Sep 2016, Aug 2016, Jul 2016, Jun 2016, May 2016, Apr 2016, Mar 2016, Feb 2016, Jan 2016, Dec 2015, Nov 2015, Oct 2015, Sep 2015, Aug 2015, Jul 2015, Jun 2015, May 2015, Apr 2015, Mar 2015, Apr 2012, Mar 2012, Feb 2012)

TU shows a closed date of 05/31/2012, which I believe is correct.

RobertEG · ‎04-24-2017

The taking/reporting of a charge-off does not prevent the creditor from continuing to report monthly delinquencies, so if one issue is the reporting of monthly delinquencies after a charge-off, that is not improper.

However, once paid, the reporting of continued monthly delinquencies after the date paid must end.

When was the debt setled?

Anonymous · ‎04-24-2017

It was settled with Conn's on 05/2012.

I'll call them tomorrow.