Reply
New Member
Posts: 3
Registered: ‎04-09-2012
0

Account that is Paid showing a Neg factor

I just paid off my old Capital one CC on 11/2012 and for some reason it is showing a neg factor om my CR through EQ after my paid off date, any idea why it is showing like this ?

 

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

Dec, 2012
May, 2005
Aug, 2010
$500
Revolving
Individual
All Banks
Descriptions [?]
  • Closed or paid account / zero balance
  • Account paid for less than full balance

No contact information provided by Equifax

Balance [?] Current Status [?]

$0Bad debt/collection

Seven year payment history [?]

30 days late60 days late90+ days late

3 times
3 times
15 times (Nov 2012, Oct 2012, Sep 2012, Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2012, Mar 2012, Feb 2012, Jan 2011, Dec 2010)

Recent payment history [?]

12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 112010 2011 2012

120 Days LateCollectionOKOKOKOKOKOKOKOKOKOKOKOKCollectionCollectionCollectionCollectionCollectionCollectionCollectionCollectionCollectionCollection
Legend:Current paidCurrently paid as agreed
 120 days late120 days late
 CollectionCollection
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Account that is Paid showing a Neg factor

It'll show as a negative for as long as the lates and negative comments show. The negative aspects include each of those lates and the comment of "account paid for less than full balance". The account status is a negative too but that'll go away once the lates go away. Try sending a goodwill letter to them. CapOne is tough to deal with but I have seen some success in removing paid charge-offs. It'll continue to report for 7 years from the DOFD of the debt, whenever that way (prior to Aug 2010).

 

 

New Member
Posts: 3
Registered: ‎04-09-2012
0

Re: Account that is Paid showing a Neg factor

Thank you llecs I will give that a try :smileyhappy:

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.