06-15-2012 06:47 PM
06-15-2012 09:53 PM
I had an auto lender do the same. In my early repair days I disputed it and they doubled the lates, all of which were accurate. That's one of the last times I ever disputed.
A 30-day from 2008 isn't hurting any. If it does bug you, you can always submit proof to the OC and ask them to remove it.
06-16-2012 12:34 AM
I would handle by way of direct dispute with the creditor.
The fact that it was not previously reporting does not mean that the account was not delinquent in the month reported. If, upon review of your account, they determined there actually was an unreported delinquency, they can report it.
The CRA has no way to independently determine the accuracy of the information itself, and will simply forward to the credtior for their investigation.
By filing a direct dispute, you cut out the extraneous middle man.
06-16-2012 11:18 AM
I have two 30 day lates from 2007 and they are not supposed to have a negative impact any longer. What concerns me about them is on MyFICO CR in the Understanding your FICO Score page, under Whats hurting your score, it still points out that I have 2 past due accounts. It seems that FICO is still holding them against me.
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