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New Contributor
mocha76
Posts: 68
Registered: ‎03-16-2009
0

Confused!!!

I have caught up a bill that was over 120 past due.  Equifax has updated the past due amount to zero but have not updated the status.  It is still showing as 120+ days past due with a $0 balance past due.  I made the June payment on time. What is the disconnect?  Is it Equifax or the creditor?

Starting Score: EQ 484 (03/09)
Current Score: EQ 632 TU 648 (01/11)
Goal Score: EQ 720 TU 720


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Established Contributor
jesslyn
Posts: 945
Registered: ‎06-13-2008
0

Re: Confused!!!

Is the account open or closed?
New Contributor
mocha76
Posts: 68
Registered: ‎03-16-2009
0

Re: Confused!!!

It is open.  It is actually a mortgage.  I got a loan modification, so I was brought current and have started making payments but the baddies from before are "killing" me. 

Starting Score: EQ 484 (03/09)
Current Score: EQ 632 TU 648 (01/11)
Goal Score: EQ 720 TU 720


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Established Contributor
jesslyn
Posts: 945
Registered: ‎06-13-2008
0

Re: Confused!!!

Are you completely caught up?  Or are you still on some reduced plan?

 

They might keep that status until you are Completely Caught Up.

New Contributor
mocha76
Posts: 68
Registered: ‎03-16-2009
0

Re: Confused!!!

I am completely caught up.  No past due balance or anything.  They modified the loan, brought the account current, and removed all late fees from my account.

Starting Score: EQ 484 (03/09)
Current Score: EQ 632 TU 648 (01/11)
Goal Score: EQ 720 TU 720


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Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Confused!!!

When did you get caught up?  Did they say they were going to remove those from the CR's?


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

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New Contributor
mocha76
Posts: 68
Registered: ‎03-16-2009
0

Re: Confused!!!

In June.  I have paid June and July's mortgage on time.  No, I hadn't asked them if they would remove them but since the loan was modified, I was hoping the baddies would go away.  But even still, EQ is still showing 120+ days past due for June and July and that is definitely not true.

Starting Score: EQ 484 (03/09)
Current Score: EQ 632 TU 648 (01/11)
Goal Score: EQ 720 TU 720


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New Contributor
pokershark
Posts: 178
Registered: ‎07-13-2009
0

Re: Confused!!!

I wouldn't think the lates that occured PRIOR to the payment plan being made would be removed unless you specifically asked and agreed, but I would think the June & July payments would show as on-time, but maybe with a note that you are in a payment plan.


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Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Confused!!!

It is reporting correctly.  They are not saying you are currently past due, hence the 0 past due balance.   But your worst delinquency was 120 past due and that will not change until those lates drop off your CR.

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