Report date is just the time the information was last upd...
Report date is just the time the information was last updated.
Assuming the information such as late/co are correct, the data is valid really. Just because you let something charge off, then pay that, doesn't remove the fact it was charged off. Same for late payments.
From my own monitoring, report date and current status pl...
From my own monitoring, report date and current status plays a key role in FICO scoring.
example: When EQ reported this mortgage account update 3/2007 it dropped the score and put a current deliquency on my report for a zero balance account. The current status was changed from open/paid to 120 days past due.
Couple of questions: 1-Was the mortgage ever 120 days lat...
Couple of questions: 1-Was the mortgage ever 120 days late? Have you contacted the mortgage company to request a payment history letter and a paid in full letter and do you still have your HUD-1 Settlement statement? Assuming your payment history was kept current and with the settlement statement you can send both of those as supporting documents to the credit agencies with a dispute letter and it should be cleared within 30 days.
2&3-Again, documentation. What do you have to show when it was taken care of? Dispute and document and it should be cleared in 30 days.
Dispute and documentation should be your #1 remedy to any errors on your credit report.
Message Edited by Credit_Author on 04-03-200708:26 AM