On my EQ report, I have a 90+ day C/O that started in 2012, it's listed as paid in full. Basically same thing on TU except it starts one month later. My question is on EX the same item is listed blank in all days/mo on entire report but has KD listed in Apr 2014. I know what KD means but doesn't this look worse than the actual 90+ day item since it is listed so recent? I PIF sept 2013. I guess I'm trying balance if I should get them to fix this or better to have KD in one block in 2014 or 90+ day late from 2012. The KD, the payment status says Paid, was a C/O. Under terms it says 1 month.
@avggoal700 wrote:On my EQ report, I have a 90+ day C/O that started in 2012, it's listed as paid in full. Basically same thing on TU except it starts one month later. My question is on EX the same item is listed blank in all days/mo on entire report but has KD listed in Apr 2014. I know what KD means but doesn't this look worse than the actual 90+ day item since it is listed so recent? I PIF sept 2013. I guess I'm trying balance if I should get them to fix this or better to have KD in one block in 2014 or 90+ day late from 2012. The KD, the payment status says Paid, was a C/O. Under terms it says 1 month.
Yes it makes it look worse than it is, the new KD makes the CO look like it happened in Apr 14 and it subsequently dropped your score. If would be better to have the 90 day late in 2012, GW letters to the bank would be in order here, good luck 
@gdale6 wrote:
@avggoal700 wrote:On my EQ report, I have a 90+ day C/O that started in 2012, it's listed as paid in full. Basically same thing on TU except it starts one month later. My question is on EX the same item is listed blank in all days/mo on entire report but has KD listed in Apr 2014. I know what KD means but doesn't this look worse than the actual 90+ day item since it is listed so recent? I PIF sept 2013. I guess I'm trying balance if I should get them to fix this or better to have KD in one block in 2014 or 90+ day late from 2012. The KD, the payment status says Paid, was a C/O. Under terms it says 1 month.
Yes it makes it look worse than it is, the new KD makes the CO look like it happened in Apr 14 and it subsequently dropped your score. If would be better to have the 90 day late in 2012, GW letters to the bank would be in order here, good luck
Ok thx. My EX plus score is 720 from experian.com, I know it's a fako. I've sent couple GW, no luck yet, will be sending another round next month. I guess I should call it a 120 day plus late.
Now I'm wondering if GW worked on EX but they coded it wrong, because before it did show the 120+ late. Anyway does no good if coded wrong. So contacted EX, they said I had to contact OC because they already looked at it. So I contacted OC and asked them to correct. I also asked again for a GW just in case lol. Anyway, now I'm in wait mode.