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Established Contributor
ktl72455
Posts: 835
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
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Established Contributor
randyrhodes
Posts: 587
Registered: ‎12-18-2013
0

Re: This sooooo dont look right!!!!

Collection agencies CANNOT report monthly late remarks.
Established Contributor
ktl72455
Posts: 835
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
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Moderator
guiness56
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
ktl72455
Posts: 835
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
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Established Contributor
fot1
Posts: 689
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.


Tu- 799... What I wouldn't give for one more point..
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