Byrdman,
On my FICO reports, on the list of accounts,EQ and TU show status as paid as agreed, EX shows paid as agree/was 60 days past due.
When I pull up the account individually, TU shows it closed and reports closed date as 11-03. This is correct. EX show the acct as closed, with closed date not reported. EQ though shows it as open.
All three show worst delinquency 60 days past due 11-03. They also are showing 30 days past due 6 times, with one of those times shown as 11-03.
So the errors are that EQ is showing the acct as open, EX is showing as closed with out the closed date reporting, and all 3 are showing a 60 day late that I did not have.
I had been 30 days late 09-03, caught up in Oct and contacted the CCC to close in Nov, so the Nov pyt was definitely not 60 days past due. The acct was current 10-03, but I was having difficulties and thought the best thing to do was close it while it was current and just pay it off. I set up the agreement with Cross Country (they set a minimum for me to pay each month and closed the acct, locking in the interest rate, etc).
The 30 days late in Nov would also be wrong, but my main concern now after Robt's advices is to get that 60 day off. I obviously couldnt be 30 days late and 60 days late on the same month!
My original question on this had been whether the account being shown as open on EQ made any difference...but now I think I understand that the really big deal is the 60 day late, not so much the account showing open. Am I right?!?!
I have a similar situation on another acct, a PAID Providian charge off that only on EQ shows status as "bad debt/collection rather than "paid charge off" etc as it does on TU and EX. The acct description shows it as paid with 0 balance, but the status shows 'bad debt/collection'. Since EQ score is much lower than others (FICO TU 696 EQ 657 EX 687) and all else is pretty equal, I'm thinking that the incorrect status must be hurting my score. I've disputed several times and it always comes back verified. I've read on the forum about the 2 digit code that has to come from the OC to get this corrected (or something like that). Do you think the wrong status is costing me points?!?!
Thanks for your advices!
FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)