Rebuilding Your Credit

[pkenn]

so this is what my equifax (fico) report says of arrow financial....i havent talked to anyone or made any payments to OC since 04  or CA ever!!  can they report me as 120 days late? and can they say first 90+ day late "1st time" in Dec 2008????  sounds shady!!

Credit AccountArrow Ser

Status as of Date opened [?] Date of last activity [?] Largest past balance [?] Account Type [?] Account holder [?] Industry

Oct, 2010

Aug, 2006

Dec, 2004

$929

Open Account

Individual

Factoring Companies

Descriptions [?]

• Consumer disputes this account information
• Collection account

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?]

$1,650	120+ days past due	$1,650

Seven year payment history [?] 30 days late 60 days late 90+ days late

0 times

0 times

1 time (Dec 2008)

Recent payment history [?] 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 2008 2009 2010

Legend:	Currently paid as agreed
	120 days late

Worst Delinquency [?]

120+ days past due

[tamdugg1980]

I have the same issue with a TL from University of Phoenix.  DOLA was 05/2005, I had not made a payment, spoken to a CA, received a letter until a few weeks ago from a Northland Group, which isn't even listed on my CR.  My CR shows it's been CO'd between 2005 and 2010.  Then miraculously, I made a payment in 12/2010 and I went back into CO status again for 4 months and made another payment in 04/2011.  I do not understand how this could be happening.  I'm hoping one of the vet's on the board can assist with this because something is definitely not right!  

[llecs]

It's not uncommon for Arrow to report that way. More and more I see this, more inclined I am to think that it's a reporting issue with EQ rather than Arrow. Send a DV. If they verify and agree, then send a PFD. Or wait. Sounds like it is approaching the CRTP limit. Score-wise, the 120 doesn't matter since it is being scored as a CA anyway.