"current status "

elleng81 · ‎01-08-2013

Hello. Can someone clarify what the appropriate 'current status' should be for this account? I had a secured personal loan with a finance company. I paid as agreed for the first six months and then was 30 days late in 1/12. They offered me a chance to refinance the loan and get additional money, so i did. So the current status on my TU FICO report shows 30 days past due... shouldn't it just be closed? The new, refinanced loan shows up as it should and reporting for 2/12.

Thanks!!!

Shogun · ‎01-08-2013

It should say paid closed, however you will have to look at the complete picture. They are allowed to put, closed, 30 days late, $0 balance.

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!

June 2017 update: All scores over 820, just pure gardening now.

Shogun · ‎01-08-2013

Just an addition to this, I'd start by sending a GW.

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!

June 2017 update: All scores over 820, just pure gardening now.

"current status "

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"current status "

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"current status "

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