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New Member
Posts: 4
Registered: ‎10-09-2012
0

Item Re-Appearing on Credit Report

I was unemployed for a period of time in 2004 and again in 2006 and I have been working to repair my credit since. I had a vehicle repossessed sometime in mid 2004 and since I wasn't employed at the time, they never went after me for the balance left on the car but it stayed on my credit report until recently when it finally dropped off when the time limit expired. However, it has recently re-appeared on 2 of my credit reports, this time it still shows the original purchase date of the car in 2003 but now it shows the first deliquent date as April 2012. Can I dispute this and hopefully have it removed? It seems to be re-aged because the deliquent date would have been in 2004 when I became unemployed.

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Item Re-Appearing on Credit Report

You should dispute by letter sent Certified Mail to the CRA's (Not return receipt).  It is up to the CRA's to keep track of DOFD.  Always keep copies of old credit reports for issues like this in case they fight you.

 

Good Luck. 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Item Re-Appearing on Credit Report

Who put it on your CR?  I would do a direct dispute with whoever listed it on your CR as reaging the account.


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New Member
Posts: 4
Registered: ‎10-09-2012
0

Re: Item Re-Appearing on Credit Report

Good news! I disputed it with both TransUnion and Equifax and it was removed last week from both reports.

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Item Re-Appearing on Credit Report

Nice! Good work!

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Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Item Re-Appearing on Credit Report

That's what we wanted to hear!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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