Glad to see this board up and running.... hopefully we will finally be able to get some straight answers to the FICO Scoring mystery.
I have 3 negatives on my EQ report and I think they are reporting wrong.
1. Have a mortgage that was closed and paid in 2005. After many disputes this past week the tradeline was reported as:
Current status 120+ Days Past Due
Date Reported 03/2007
I say this should report closed or closed/paid as current status and the report date should reflect 2005
2. Have an account that was charged off but paid in full in 2005.
Current Status Charge Off
Date Reported 10/2006
I say this should report closed or closed/paid as current status and report date should reflect 2005
Also has been in perpetual dispute for months....
3. Have an account that was cettled for less than full balance in 2005
Current Status Charge Off
Date Reported 9/2006
I say this should report closed or closed/paid and report date should reflect 2005
Opinions plase????