And here is what they had for payment history:
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2007 CA CA
2006 CO CO CO CO CO CO CO CA CA CA CA CA
2005 * * * * 120 * * CO CO CO CO CO
2004 * * * * * * * * * * * *
2003 * * * * * * * * * * * *
2002 * * * * * * * * * * * *
2001 * * * * * * * *
I had settled on this account back ini Jul of 06 and it went from "Collection to "Charge off". My concern is that shouldn't they have stopped reportinig in back in July? I might have hurt myself by contactiing TRS and asking then why they were calling it a Charge Off and why they were still reporting it in Feb of 07. Obviously from the Alert I received above they updated my account info. Is that why it hurt my score now it looks like a more recent Charge Off? If so, what do you guys recommend I do in order to get the company to report this correctly and backdate it so that the account age is correct? I hope this all makes sense and I appreciate the assistance.
Another question I have. Does your credit score get determined by date of last activity (which is 05/2005 on this account) or by the last time it was updated as I mentioned above?
Message Edited by mario_de on 08-20-2007 01:07 PM
I am not 100% certain. However, I noticed that they made the date alot newer. With the older date of Feb. and all other items the same, your score was higher.
When they re-set the date, it seems as though your score went down and all other factors seem the same.
I would dispute online as innacurate as it obviously is because of the date. Who knows, they may even delete it. Keep copies of your old credit report reflecting the Feb. date in case you need it for proof.