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Contributor
johnwantsahouse
Posts: 90
Registered: ‎09-25-2008
0

How is this not reporting as negative?

[ Edited ]

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 [?]

  • Consumer disputes this account information
  • Collection account

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

 

Current Score:EQ-660 (FICO) / TU-677 (FICO) (3/10/14)
6/8/12 Score:EQ-640 / TU-650 / EX-656 (All FICO Lender Pulls 6/8/12)
6/5/12 Score:EQ-640 / TU-638 / EX-656 (All FICO Lender Pulls 6/5/12)
6/1/12 Score:EQ-640 (FICO) / TU-618 (FICO) /EX-670 (FAKO)
Starting Score:EQ-542 TU-574 (4/30/2012)
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: How is this not reporting as negative?

Because of this comment:

  • Consumer disputes this account information

 

Contributor
johnwantsahouse
Posts: 90
Registered: ‎09-25-2008
0

Re: How is this not reporting as negative?

Makes sense.  Thank you!

Current Score:EQ-660 (FICO) / TU-677 (FICO) (3/10/14)
6/8/12 Score:EQ-640 / TU-650 / EX-656 (All FICO Lender Pulls 6/8/12)
6/5/12 Score:EQ-640 / TU-638 / EX-656 (All FICO Lender Pulls 6/5/12)
6/1/12 Score:EQ-640 (FICO) / TU-618 (FICO) /EX-670 (FAKO)
Starting Score:EQ-542 TU-574 (4/30/2012)
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: How is this not reporting as negative?

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.

Contributor
johnwantsahouse
Posts: 90
Registered: ‎09-25-2008
0

Re: How is this not reporting as negative?

Thank you! I was wondering if I should DV or wait for it to fall off.  I think I will take your advice.

Current Score:EQ-660 (FICO) / TU-677 (FICO) (3/10/14)
6/8/12 Score:EQ-640 / TU-650 / EX-656 (All FICO Lender Pulls 6/8/12)
6/5/12 Score:EQ-640 / TU-638 / EX-656 (All FICO Lender Pulls 6/5/12)
6/1/12 Score:EQ-640 (FICO) / TU-618 (FICO) /EX-670 (FAKO)
Starting Score:EQ-542 TU-574 (4/30/2012)
Contributor
johnwantsahouse
Posts: 90
Registered: ‎09-25-2008
0

Re: How is this not reporting as negative?

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?

Current Score:EQ-660 (FICO) / TU-677 (FICO) (3/10/14)
6/8/12 Score:EQ-640 / TU-650 / EX-656 (All FICO Lender Pulls 6/8/12)
6/5/12 Score:EQ-640 / TU-638 / EX-656 (All FICO Lender Pulls 6/5/12)
6/1/12 Score:EQ-640 (FICO) / TU-618 (FICO) /EX-670 (FAKO)
Starting Score:EQ-542 TU-574 (4/30/2012)
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: How is this not reporting as negative?

I don't see how. Your DV would go to a CA unrelated to CapOne and CapOne wouldn't know about the DV.


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