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Current status is wrong...falling on deaf ears.

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guiness56
Epic Contributor

Re: Current status is wrong...falling on deaf ears.

In this instance, it does not matter.  It has already updated to a 0 balance.

Message 11 of 18
rckstrscott
Valued Contributor

Re: Current status is wrong...falling on deaf ears.


@guiness56 wrote:

In this instance, it does not matter.  It has already updated to a 0 balance.


ahhh you are correct, oh wise one.. I stand before you in awe

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 12 of 18
annakathleen75
New Contributor

Re: Current status is wrong...falling on deaf ears.

It was paid last year . The issue was that the final bill was sent to old address, not forwarded to us. It was paid right at about 120 days. Just as soon as the forgotten bill appeared on credit report. So it was pd in like June of last year. Have asked Ga Power since August 2012 to correct the reporting.
Message 13 of 18
guiness56
Epic Contributor

Re: Current status is wrong...falling on deaf ears.


@rckstrscott wrote:

@guiness56 wrote:

In this instance, it does not matter.  It has already updated to a 0 balance.


ahhh you are correct, oh wise one.. I stand before you in awe

 

-scott


Not sure how to take that. 

Message 14 of 18
chasmith
Valued Contributor

Re: Current status is wrong...falling on deaf ears.

Complain to the GA Utilities Regulator?

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 15 of 18
rckstrscott
Valued Contributor

Re: Current status is wrong...falling on deaf ears.


@guiness56 wrote:

@rckstrscott wrote:

@guiness56 wrote:

In this instance, it does not matter.  It has already updated to a 0 balance.


ahhh you are correct, oh wise one.. I stand before you in awe

 

-scott


Not sure how to take that. 


haha Yeah I guess if I was standing before you that would be kinda creepy....

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 16 of 18
guiness56
Epic Contributor

Re: Current status is wrong...falling on deaf ears.

Instead of further phone calls to them, do a direct dispute under FCRA 623(a)(8).  It requires the furnisher of the information to investigate and make changes, fix errors, etc.  They also need to notify you within 30 days.  They have to respond or they are in violation of the FCRA.

 

Fill in the areas that apply, delete the others:

 

“This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.

       ►       (If sent to a debt collector, (CA), it might  be beneficial to also include the blurb:

       ►  “This is a direct dispute of credit reporting. This is not a request for debt
              validation/verification  under FDCPA §809(b).”.
                  (don’t let them just simply sluff it off as a meaningless  DV letter)

“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at  16 CFR § 660.4, this Notice of Direct dispute includes:

 “Identification of the specific information being disputed:
           (specify the account number, and the specific information that is disputed under

             that identifying account)

“Basis for the dispute:

            (how the reporting was inaccurate;    was any reporting in violation of any statutory or

             regulatory provisions?  account or express agreements?  CRA reporting gudelines? Account not

              yours? etc.)

“Supporting documentation:

            (all documents that support your dispute; it is recommened to also include,

             as part of your documentation, at least a copy of the portion only of your

             recent credit report showing their reporting of the disputed information was

              actually reported to your credit flle.  The implementing rule suggests a  showing

               that it appeared in your credit report)

Message 17 of 18
Shogun
Moderator Emeritus

Re: Current status is wrong...falling on deaf ears.

It could update to a paid collection, which wouldn't make any difference.  And what lender would see a current delinquent amount with a $0 balance?  Seems like they need remedial math.

 

I agree with the direct dispute.  Hopefully that will settle the matter.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 18 of 18
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