Reply
Established Contributor
Posts: 852
Registered: ‎12-09-2012
0

This sooooo dont look right!!!!

History: Was a CO with 5/3rd bank bought by Asset Accept;

 

I filed a dipute with EQ ( valid reason)but look at the 90 day lates... even if 5/3rd is has always been 4

 

Here is Before:

 

fifth third EX FIX#2.jpg

 

 

 

AFTER:

 

fifth third EQ reage fix 2-15-14.jpg

 

 

I realize they updated the report but really??  16    90days    can they do this?

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Established Contributor
Posts: 587
Registered: ‎12-18-2013
0

Re: This sooooo dont look right!!!!

Collection agencies CANNOT report monthly late remarks.
Established Contributor
Posts: 852
Registered: ‎12-09-2012
0

Re: This sooooo dont look right!!!!

5/3rd Bank is the OC  who we had a CO with.

DOFD is 11/11 and they Charged off in June of 2012 And

SOLD the account to Asset Acceptance Company in May of 2013.

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: This sooooo dont look right!!!!

If those lates happened prior to the account being sold and they never updated, yes, once they did, all of those could be reported.

 

If any of the lates is after it was sold, no, they cannot.

Established Contributor
Posts: 852
Registered: ‎12-09-2012
0

Re: This sooooo dont look right!!!!

12/10 =30 days

1/11=60 day

2/11= 90 days ( 1 90 day late)

3/12=  12 months later would be 4 more 90 days lates

4/13= 12 more months  (SOLD) would be 4 more 90 days lates

Total should only be 9  90 day lates at most not 16

 

12 months per yr  div by 90 days ( 3months)  =4   90 day lates

 

 

So with them adding more lates than what there should be how bad is this hurting since they updated it?

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Established Contributor
Posts: 710
Registered: ‎01-10-2011
0

Re: This sooooo dont look right!!!!

[ Edited ]

I think once you hit 90 days late the next month is 90 days unless you make a payment.Meaninging once it goes to 90 days it doesn't start over with 30 day lates unless you made a payment.. But I am not sure.

Freedom, Mariott ,CSP, SM, QS, BCE,, PSECU, DC Walmart. Maybe someday I will do that cool pic signature thing..
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.