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Dispute flags still on CR from June

Valued Contributor

Dispute flags still on CR from June

Back in June when I began this rebuild I disputed my Verizon CO. The dispute came back verified but the reports still says the consumer disputes this account. Is this a problem? Will this be a problem when I go to refi?

Lastly, my EQ CR still has this account flagged as delinquent even though its PIF. (In summary section on USAA 3 CR report it has 1 delinquent account - status on EQ says 120 days late but comment section says its paid). Is this an issue?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 1 of 12
11 REPLIES
Valued Contributor

Re: Dispute flags still on CR from June

You need to goodwill the late that is holding you down It will say paid but it was 120days delinqent start wwriting GW


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Chase freedom 800 Never take NO for an answer!!
Message 2 of 12
Valued Contributor

Re: Dispute flags still on CR from June

And yes a chargeoff will be a problem is that the same one that is paid but has the late mark


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 3 of 12
Valued Contributor

Re: Dispute flags still on CR from June

It's my Bs Verizon CO. It's paid but its still showing as deliquent and under dispute


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 12
Moderator Emeritus

Re: Dispute flags still on CR from June

Actually Duncan, if it says paid, the 120 days just shows the status it was in.  As long as it says paid/closed.  It will be OK.

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 5 of 12
Valued Contributor

Re: Dispute flags still on CR from June

Is it just a bug with USAA service reporting it as delinquent?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 12
Moderator Emeritus

Re: Dispute flags still on CR from June

As long as it has a $0 balance or states paid.  It will not factor as an account in current arrears to FICO.   

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 7 of 12
Established Contributor

Re: Dispute flags still on CR from June

Hi  I have several accounts that were late or charged off that are paid and state 0 balance, but they are still negatives on my credit report. Still shows up as red flags on my fico TU and equifax reports.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


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Last HP 6/10/2015
Message 8 of 12
Moderator Emeritus

Re: Dispute flags still on CR from June

They are still negative accounts because of their previous status.  You need to send a GW.

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 9 of 12
Valued Contributor

Re: Dispute flags still on CR from June

The ironic thing is that my Verizon CO doesnt have a red flag on any of my CR's I get from here.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 12