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Regular Contributor
jocleveland
Posts: 181
Registered: ‎12-31-2011
0

days delinquent

When an account is charged off and is a paid collection, can a CA or CRA report days past due.  I have an MCM and a Cap One account and they are both reporting 120+ days delinquent.  Also, does it matter?

Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

Re: days delinquent

REword this Im confused Did you pay this off and now its reporting 120 + late or did it report thast before you paid


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RobertEG
Posts: 18,558
Registered: ‎03-19-2007
0

Re: days delinquent

Monthly delinquencies are separate from the act of an accounting charge-off or referral for collection assistance.

It is proper to have both monthly delinquencies and a CO or collection.

Regular Contributor
jocleveland
Posts: 181
Registered: ‎12-31-2011
0

Re: days delinquent

Thanks Robert,

 

I paid the CA midland off in 09'.  The account was HSBC originally and they charged it off and sold it midland in 06'.  Both companies are showing 120+ day lates on the CRA's.  Both accounts are due to fall off in 2013 but I'm still trying...... I'm waiting for them to get tired of me and do a GW removal. 


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