OK, recently I had a point loss which I am still trying to figure out (all I am doing is bringing my balances down, absolutely no other changes). In the process, I printed both last months and this months experian and equifax. I am planning on going thru them with a fine tooth comb.
Anyway, I am in the process of buying a house --- finally, finally they have a start date. They will be checking my credit again in a few months, 2 months prior to estimated completion date to finalize the loan. I noticed several creditors with "balances not reported".....my immediate reaction is to dispute with a zero balance. But, since I recently had this other problem, could logic be out the window on this...could I be causing a problem ? Probably about 5 paid off accounts like this, had not noticed before.
One more addition to this question, came up as I am reviewing my Experian Reports.....When they show "Past due amount" are they talking about currently past due (which there have not been any for at least 3 years) or historically.....they all say "Not on Record" -- should I be disputing for "0" ??
Message Edited by demi on 01-17-2008 02:48 PM
Message Edited by demi on 01-17-2008 04:19 PM
Starting Score: EQ 679, TU 697