Reporting 120 days late?
03-25-2013 04:34 PM
First, I want to say thanks to everyone on this forum. I started rebuilding in December after deciding that it's time to buy a house. I started wading through my credit reports and found a payday loan that was reporting that the balance was still owed. This was actually garnished from my paycheck in September and October so I knew it had been paid. I called my payroll department just to verify that this was the company that had the garnishment. It was. So, I called the company and spoke to the collections manager. She stated that they had not received a check yet. This was in February. She put me on hold and called the courthouse. They confirmed that they did have the check there. She said she'd go by the next day and pick it up. She would make sure to clear the balance and report it to the CRA. I asked her to make sure that they removed the 120 days late for the last few months because it had been paid. It wasn't my fault that they weren't notified that the check was waiting at the courthouse. She then said that she didn't know about doing all of that. I was rather aggravated at this point and asked her make sure that the balance was updated to 0. Now, the 120 days late is reporting from May 2012 thru January 2013. Since the first part of the garnishment was in September, can it still be reported late? And since it appears that the collections manager isn't going to try to remedy this error, what do I do next?
Sorry it's so long but I appreciate any feedback/suggestions.