Re: Collection reporting lates
04-25-2012 05:42 PM
RobertEG, can you tell me if this would cause a score drop?
DH had a Verizon residential account that charged off in 2009 and was paid on 10/27/11 and shows a zero balance on all reports. DH's Equifax score was 606 March 19, 2012 and when we checked again on April 18, 2012 it had gone down to 581 because of a recent delinquency. The negative indicator said the most recent late payment happened a month ago. We checked the reports and found Verizon reported a collection in January and another one in March. There were no other late payments. We contacted Verizon and after speaking to a few people we finally got someone who understood what the problem was. He said he would send a request to have the payment history deleted. Would that get the points back that were lost?
599 (Equifax) 606 (TU) - myFico 03/08/12
611 (Equifax) 660 (TU) 587 (Experian) - Lender pulled 3/19/12
current scores 640 (Equifax) 589 (Experian) 681(TU) - Lender pulled 5/17/12
my cards: USAA secured Amex $600 limit and USAA secured MC $600 limit