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I have paid everything on time. I haven't missed a payment on the card referenced, it's closed. My multiple accounts showing missed payments don't include this accountthat was referenced in the SW alert.
Finally, I've paid down UTI from 85% to <50% and when this month's payments post, to less than 30%.
It's the 18th of the month and I'm tempted to pull a report but would like some opinions first: What the heck could have changed on a charged off that is paid off some four months before it should fall off?
Stymied, frustrated, don't want to waste the money on a new report before I see a real decrease in UTI.
Ideas? Opinions? Help?
atlast....feeling pretty helpless right now
This morning I got the same SW alert saying an account has changed and it was regarding my 2001 Cap1 Chargeoff. They have really messed up my account this time.
It says that I missed a payment 2 months ago. However, thats not correct. Equifax or CrapOne don't know for sure, changed the reporting to a Reposession/Foreclosure also wrong/not true. And it shows that the account was current during 2006 until 06/2007 then R/F for 5 months, then current in December and back to R/F Jan/Feb. It shows current March 08. No payment has been made on this account since 12/2001. Date of Last Activity still reports 12/2001.
I am in the process of sending a FAX to Equifax to hopefully get it reported correctly. Account is supposed to be deleted in 11 or 12 of 2008.
This is awful as it is reporting as if I have current late payments.
I wonder if anyone else got this weird Equifax reporting?
BlueBayou wrote:This morning I got the same SW alert saying an account has changed and it was regarding my 2001 Cap1 Chargeoff. They have really messed up my account this time.
It says that I missed a payment 2 months ago. However, thats not correct. Equifax or CrapOne don't know for sure, changed the reporting to a Reposession/Foreclosure also wrong/not true. And it shows that the account was current during 2006 until 06/2007 then R/F for 5 months, then current in December and back to R/F Jan/Feb. It shows current March 08. No payment has been made on this account since 12/2001. Date of Last Activity still reports 12/2001.
I am in the process of sending a FAX to Equifax to hopefully get it reported correctly. Account is supposed to be deleted in 11 or 12 of 2008.
This is awful as it is reporting as if I have current late payments.
I wonder if anyone else got this weird Equifax reporting?
Did you find someone at CapOne recovery (or whatever they call it, internal collections, etc) to talk to? If so, could you share that information with me?I'm almost afraid to pull another report because Equifax has been not-so-responsive to disputes.Thanks.atlast....
BlueBayou wrote:I really don't think that this is a Cap1 problem at the moment. I do think it is Equifax's Fico reporting. Back in March 2007 this same thing happened to my account and then it went back to the normal reporting until Feb 2008. I am actually trying what a member on Credit Boards did to get their Cap1 deleted and/or corrected. At Credit Boards, if you type in: a new method to disputing, by jack1212, it will give you a little more insight as to how you may be able to get yours corrected, possibly deleted, since it's paid.Before calling Cap1, I would call Equifax and tell them the reporting is all screwed up. Make sure they know when it was paid off and that it is severely hurting your score. I don't think that you need to pull another report at the moment.