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Contributor
Posts: 81
Registered: ‎03-16-2009
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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?
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 8/17 EQ 643 TU 636 EX 655

NC SECU/$1,500, Capital One Platinum/$400
Established Contributor
Posts: 945
Registered: ‎06-13-2008
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Re: Confused!!!

Is the account open or closed?
Contributor
Posts: 81
Registered: ‎03-16-2009
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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. 
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 8/17 EQ 643 TU 636 EX 655

NC SECU/$1,500, Capital One Platinum/$400
Established Contributor
Posts: 945
Registered: ‎06-13-2008
0 Kudos

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.

Contributor
Posts: 81
Registered: ‎03-16-2009
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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.
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 8/17 EQ 643 TU 636 EX 655

NC SECU/$1,500, Capital One Platinum/$400
Senior Contributor
Posts: 4,383
Registered: ‎05-01-2008
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Re: Confused!!!

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


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Contributor
Posts: 81
Registered: ‎03-16-2009
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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.
CH13 BK discharged 4/17 Starting Scores 4/17 EQ 579 TU 502 EX 504 8/17 EQ 643 TU 636 EX 655

NC SECU/$1,500, Capital One Platinum/$400
New Contributor
Posts: 178
Registered: ‎07-13-2009
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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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Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
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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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