Reply
Contributor
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
Posts: 32,869
Registered: ‎08-04-2007
0

Re: How is this not reporting as negative?

Because of this comment:

  • Consumer disputes this account information

 

Contributor
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
Posts: 32,869
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
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
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
Posts: 32,869
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.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.