There is a big difference b/t the info I pulled from EQ annual free report on 5/21 and the EQ/MyFico on 6/21....Details, Card 1- Chase (past SOL):
1- On 5/21, EQ reported "You have no Accounts Currently Past Due on file." On 6/21, EQ reports about $9K past due
2- On 5/21 EQ report Chase Card as Closed, with amount past due, Status OK. On 6/21 EQ reports same Chase account as Open, with roughly same past due amount as on 5/21.
I also received, in the past 30 days, a letter from a CA, simply advising me that they're collecting info on me and may disclose it to others, that Chase is the client. No specifics, account #, etc.
Details- Card 2, NextCard (past SOL)
NextCard debt has also been thrown into the 'currently past due' figure. According to the EQ person, the last payment/activity is now reported as 2 years ago, not 4-5 years ago. This changed in the past month. EQ says it's *NextCard* reporting. I *know* that this was/is at a collector.
The date for removal given to me by EQ is off, based on last payment/first delinquincy. BUT, if the 2005 last activity that they're reporting were accurate, the projected removal date would be *3 years* later.