Reply
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
0

Would you dispute this or let it fall off?

A house (and mortage) was left to me and my siblings. Sometimes I had to make the payments on my own and sometimes I could not. We eventually sold it so nothing is owed now but what you see below is showing up as a baddie on my account.  Notice the age on it.  I tried to GW and they called me today to say they can't find it withouth the account number.  I gave them the account number on the CR and of course they have my name.  They told me to dispute it... Should I try to find the account number and call back? I am almost certain I don't have it after all of this time... Ugh!

 

 

USDA / RURAL HOUSING

 

Date Opened:

06/01/1980

Balance:

$0

Pay Status:

>Account 60 Days Past Due

Responsibility:

Joint Account

Date Verified:

06/01/2007

 

Date<

Account Type:

Mortgage Account

Last Payment Made:

06/01/2007

Terms:

$ xxx per month, paid Monthly

Loan Type:

FMHA REAL ESTATE MORTGAGE

High Balance:

$xx,xxx

Date Closed:

for 396 months

06/01/2007

    

Date Paid:

06/01/2007

 

Remarks:

CLOSED

Estimated month and year that this item will be removed:

12/2013

 

>Maximum Delinquency of 60 days in 05/2007 and in 06/2007<

 

05/2007

04/2007

03/2007

02/2007

01/2007

12/2006

11/2006

10/2006

09/2006

08/2006

Rating

60

30

30

30

30

OK

30

OK

OK

OK

 

07/2006

06/2006

05/2006

04/2006

03/2006

02/2006

01/2006

12/2005

11/2005

10/2005

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

 

09/2005

08/2005

07/2005

06/2005

05/2005

04/2005

03/2005

02/2005

01/2005

12/2004

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

 

11/2004

10/2004

09/2004

08/2004

07/2004

06/2004

05/2004

04/2004

03/2004

02/2004

Rating

OK

OK

OK

OK

OK

OK

OK

OK

OK

OK

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

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

Re: Would you dispute this or let it fall off?

Those are minor derogs that aren't really affecting your score.  I'd let them fall off and leave the account on for AAoA.


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!
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
0

Re: Would you dispute this or let it fall off?

Easy enough for me to handle!  Thanks for the feedback Shogun!  That is just what I am going to do!  :smileyhappy:

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+