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
No contact information provided by Equifax
|$1,650||120+ days past due||$1,650|
|1 time (Dec 2008)|
|Legend:||Currently paid as agreed|
|120 days late|
|120+ days past due|
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!
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.