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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: KD?

[ Edited ]

maluba wrote:

Backdoor? What do you mean by that?


Edited

 

Unfortunately suggesting or advocating the backdooring of reports isn't allowed on these forums. You can still get free reports though via annualcreditreport, if you've been denied credit, faced adverse action like a rate increase or CLD, or if you think you might be a victim of ID theft. - llecs, myFICO moderator


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: KD?

[ Edited ]

Shogun wrote:

KD is key derogatory, but no a CA can't report that.  They don't even have a code for it.  The only way they can put that on there is to list themselves as a Factoring Company thereby giving themselves certain aspects as listing as an OC.  Yes you can fight this, I have and won.



In reviewing my 3 reports (directly from each bureau), EX shows KD on 2 COs and 2CAs. 

 

Since it's only this way on EX, is this EX's doing, or the creditors?  

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Regular Contributor
Posts: 226
Registered: ‎08-24-2009
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Re: KD?

Help me to understand too, Shogun. I have a couple of KD as well from CAs. What does the fight entail? Thank You
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: KD?

I filed a complaint with the BBB, FTC and State AG.  They removed.

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!
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: KD?

[ Edited ]

Is there anything we can cite in our complaints to back up "CA can't have a KD in payment history"?   

 

Edited:

For reference if it matters...the KD on my collections are the first payment in payment history, then every month after that says "ND" or "OK" once it was paid.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: KD?


ktm214 wrote:
Help me to understand too, Shogun. I have a couple of KD as well from CAs. What does the fight entail? Thank You


FYI -- I just initiated a dispute with EX and when I did so, it did NOT show the KD but instead showed a legend of "C" which their key definitions said is for "Collection". 

Didn't finish the dispute.

 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: KD?

Yes, that makes a difference.  Mine had lates and phantom payments on it.

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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