Is this correctly reported?

[Floridafun]

this is a snapshot of how Chase mortgage is reporting on my TU credit report.  On Experian and Equifax they say paid in the pay status and they suppressed the lates.  But I have disputed with TU about it saying current status as late when it was paid off in 8/10.  Experian and Equifax both say 90 days late but TU won't budge.  Any advice?  Is this correct?  I contacted Chase and they told me that TU won't let them update this account.  I don't know if I buy that one.  Should I print my credit report out and highlight this to them and see if that works.  I have only disputed via their website.

I do have the hud1 statement I could sent with it but I am just stuck and if this does not get corrected from a m5 to an m4 our interest rate for a house is going to be so high!

CHASE HOME FINANCE LLC 
PO BOX 24696
COLUMBUS, OH 43224
(800) 848-9136
Date Opened: 04/29/2003
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE MTG
Balance: $0
Date Updated: 08/10/2010
Payment Received: $144,707
Last Payment Made: 05/07/2010
High Balance: $168,000
Pay Status: >Account 120 Days Past Due Date<
Terms: $1,227 per month, paid Monthly for 360 months
Date Closed: 08/10/2010
>Maximum Delinquency of 120 days in 08/2010<
Mortgage Info: Fannie Mae Acct #1688204148
Remarks: CLOSED
Estimated month and year that this item will be removed: 02/2017

07/2010
06/2010
05/2010
04/2010
03/2010
02/2010
01/2010
12/2009
11/2009
10/2009
Rating
90
60
30
30
OK
OK
OK
OK
OK
OK

09/2009
08/2009
07/2009
06/2009
05/2009
04/2009
03/2009
02/2009
01/2009
12/2008
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK

11/2008
10/2008
09/2008
08/2008
07/2008
Rating
OK
OK
OK
OK
OK

[gdale6]

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@Floridafun wrote:

this is a snapshot of how Chase mortgage is reporting on my TU credit report.  On Experian and Equifax they say paid in the pay status and they suppressed the lates.  But I have disputed with TU about it saying current status as late when it was paid off in 8/10.  Experian and Equifax both say 90 days late but TU won't budge.  Any advice?  Is this correct?  I contacted Chase and they told me that TU won't let them update this account.  I don't know if I buy that one.  That is a whopper, the reporting entity is the one who dictates to the CRA what is to be done with the TL. Should I print my credit report out and highlight this to them and see if that works.  I have only disputed via their website.

I do have the hud1 statement I could sent with it but I am just stuck and if this does not get corrected from a m5 to an m4 our interest rate for a house is going to be so high!

CHASE HOME FINANCE LLC 
PO BOX 24696
COLUMBUS, OH 43224
(800) 848-9136
Date Opened: 04/29/2003
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE MTG
Balance: $0
Date Updated: 08/10/2010
Payment Received: $144,707
Last Payment Made: 05/07/2010
High Balance: $168,000
Pay Status: >Account 120 Days Past Due Date<  IMO this should be blank, it cant be currently late if there is a 0 balance
Terms: $1,227 per month, paid Monthly for 360 months
Date Closed: 08/10/2010
>Maximum Delinquency of 120 days in 08/2010<
Mortgage Info: Fannie Mae Acct #1688204148
Remarks: CLOSED
Estimated month and year that this item will be removed: 02/2017

07/2010
06/2010
05/2010
04/2010
03/2010
02/2010
01/2010
12/2009
11/2009
10/2009
Rating
90
60
30
30
OK
OK
OK
OK
OK
OK

09/2009
08/2009
07/2009
06/2009
05/2009
04/2009
03/2009
02/2009
01/2009
12/2008
Rating
OK
OK
OK
OK
OK
OK
OK
OK
OK
OK

11/2008
10/2008
09/2008
08/2008
07/2008
Rating
OK
OK
OK
OK
OK

---

If you have info from Chase that says they are suppressing the lates for you then you should file a complaint with the CFPB on the offending CRA and upload your evidence to them   http://www.consumerfinance.gov/complaint/

[RobertEG]

It may be correct.

The referenced status is the Payment Status, not the Current Status.

The current status is not specifically referenced.

The current status of an account is only a snapshot of the account status as of the last reporting.

When an account that was delinquent is returned to good standing or paid off, the current status must be updated to show a non-delinquent status, such as paid.

However, the delinquency status prior to its current ststus is retained under a separate code called the Payment Rating, which retains the prior delinquency status before update to the current stauts.

It appears that the report may be showing the payment rating, and not the current status.

If you do renew a dispute, be sure to include additional information not previously submittted to ensure that the dispute is not dismissed as frivolous or irrelevant, which can be done if it is substantially the same as a prior dispute.  Be sure to empasize that your dispute is of the apparent inaccuracy of the current status.