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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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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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Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
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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


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Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
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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
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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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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

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Moderator
Posts: 13,892
Registered: ‎04-15-2011
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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+
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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!
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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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

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Moderator
Posts: 13,892
Registered: ‎04-15-2011
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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!
Established Contributor
Posts: 748
Registered: ‎08-13-2011
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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

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Moderator
Posts: 13,892
Registered: ‎04-15-2011
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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!
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

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

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