Does "Date Reported" impact your score?
10-04-2012 04:13 PM
I understand that it is a violation of FCRA for a creditor to continue to report regularly a debt discharged through BK. I went over my report again and found just one - Target - that was discharged in 2006, still reporting monthly. Although it says 0 balance, and status is discharged through BK, and the date of status is 5/2006. However, under last reported, it says 9/2012.
Does this have any impact on my score? If it does, then I want to notify them that they are to cease and desist reporting this monthly. If not, then I won't bother.
Re: Does "Date Reported" impact your score?
10-04-2012 04:52 PM
Nope, just updated. Nothing changes. It doesn't matter when it's updated.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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