Posts: 15
Registered: ‎09-08-2012
Re: IIB accts show charged off/past due balance

What I want to know is what are the rules? I am having the same problem. I simply cannot get all of my tradelines to remove the "Current Balance Due" and it is seriously skewing my debt-to-income ratio. I get so frustrated dealing with the 3 credit bureaus because it seems like the consumer has absolutely no recourse if something is wrong. Is there anyone on these forums that knows if the FCRA or BK code deals with this situation? 

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((