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Anyone know why this isn't showing as negative on my report? It doesn't have a flag and on the account tab, it's not identified as a negative item.
Credit AccountPortfolio
Status as of | Apr, 2009 |
Date opened [?] | Jul, 2007 |
Date of last activity [?] | Jul, 2006 |
Largest past balance [?] | $604 |
Account Type [?] | Open Account |
Account holder [?] | Individual |
Industry | Factoring Companies |
Descriptions [?]
No contact information provided by Equifax
Balance [?] | Current Status [?] | Past Due Amount [?] |
$662 | 120+ days past due | $662 |
Seven year payment history [?]
30 days late | 0 times |
60 days late | 0 times |
90+ days late | 0 times |
Worst Delinquency [?]
None Reported |
Because of this comment:
- Consumer disputes this account information
Makes sense. Thank you!
And I'll add that a dispute comment has no impact on a CA...however, some CAs report and mimic OCs, as it appears this one is doing. It might even be miscoded as an OC vs. CA which supports the no-red-flag issue. IMO, I wouldn't want it moved or fully scored as a CA, but I would DV then PFD.
Thank you! I was wondering if I should DV or wait for it to fall off. I think I will take your advice.
One more question if you don't mind. I actually got a Capital One a few weeks ago unsecured. If I DV, will it risk loosing the new card?
I don't see how. Your DV would go to a CA unrelated to CapOne and CapOne wouldn't know about the DV.