So last year July I tried to get USAA to remove some late payments from a 2006 MC that I closed in 2008 but instead they updated the account on all 3 reports to say ND all the way till JULY of 2012 where they reported a OK. This is causing my last reported baddie to be 0.6 year ago. OMG I need this to be removed from my reports. I'm remember reading some where that when it come to false reporting I can get the whole item removed. Is this true and would this account qualify. What are the steps?HELP
lawless05 wrote:So last year July I tried to get USAA to remove some late payments from a 2006 MC that I closed in 2008 but instead they updated the account on all 3 reports to say ND all the way till JULY of 2012 where they reported a OK. This is causing my last reported baddie to be 0.6 year ago. OMG I need this to be removed from my reports. I'm remember reading some where that when it come to false reporting I can get the whole item removed. Is this true and would this account qualify. What are the steps?HELP
Reporting ND shouldn't be considered a baddie, I don't think? I had an old auto loan revised due to a mistake by the lender and it is similar in that it reads ND for a number of months, and then OK paid satisfactorily. Maybe I misunderstood what you are referring to with the baddie though.
Starting Score: EQ-484(10/10/2011) TU-533(10/10/2011)
ND is NO Data. Should not affect you at all. ND is much better than recorded lates.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
I'm sure someone knows the exact rule on this. I'm trying to recall my experience with it, but I feel like I had a similar situation with my auto loan that was disputed, they removed the incorrect information, then reported a bunch of No Data months, up until the month that the account was rectified, reported an OK and then marked it closed, paid satisfactorily. If you haven't done so, pull your report and see what exactly is being reported as the negative. The ND's won't come up as negative - if they are reporting a 60 day late in July, then that is incorrect, based on what you have said, and you have something you can dispute. I think until you know exactly what is being reported, aside from the notice from a cc app, you won't know whether you are in bad shape or not.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
