topic Re: Flat out ABSURD! in General Credit Topics

Flat out ABSURD!

happy0510 — Mon, 10 May 2010 22:14:00 GMT

DH paid in full a Citi acct on 11/2007.

I'm going through his reports today and find the following:

TU showing 30 day lates 4/09,5/09

EQ showing 30 day lates 11/08, 12/08

EX showing 30 day lates 10/08 & 11/08.

HELLO!! We paid this off 11/2007!!!! How can this happen??!! And the account has been closed since before these supposed

late payments even occurred! Very very very upset. We are in the middle of buying our first home!

Re: Flat out ABSURD!

Anonymous — Mon, 10 May 2010 22:40:05 GMT

IF you are fully approved, just relax, buy the home, and them fight this fight later once you in your new home.

When are you trying to close on said home?

Re: Flat out ABSURD!

happy0510 — Mon, 10 May 2010 22:49:24 GMT

We haven't found our home yet. Have a pre-approval that expires next month and they will have to re-pull!!

I think by December we should be closing.

Re: Flat out ABSURD!

AndySoCal — Tue, 11 May 2010 02:46:58 GMT

I preusme you have the proof that you paid it in full. Call Citi and state the account was paid in full on 11/2007 and offer to provide the proof if they are not able to see and fix the problem. Aslo make sure to tell them they need to remove the late pays after 11/2007 Secondly dispute the account with all the bureaus with the dispute and provide the proof.

Re: Flat out ABSURD!

happy0510 — Tue, 11 May 2010 18:47:22 GMT

I disputed with all 3 bureaus yesterday. We'll see what happens...Ugh!

Re: Flat out ABSURD!

Anonymous — Wed, 12 May 2010 18:21:06 GMT

@happy0510 wrote:
I disputed with all 3 bureaus yesterday. We'll see what happens...Ugh!

What will happen is you will be unable to get a loan for the house if you have any open disputes on your record. Make sure you resolve ALL disputes before applying for a house loan.

Re: Flat out ABSURD!

happy0510 — Wed, 12 May 2010 18:48:39 GMT

@Anonymous wrote:

@happy0510 wrote:
I disputed with all 3 bureaus yesterday. We'll see what happens...Ugh!
What will happen is you will be unable to get a loan for the house if you have any open disputes on your record. Make sure you resolve ALL disputes before applying for a house loan.

I already applied and was approved. I have until 6/17/10 to get this done cause that's the 1st day they will need to re-pull.

We don't even have a house yet..

Re: Flat out ABSURD!

Anonymous — Wed, 12 May 2010 19:14:22 GMT

Depending on how you disputed, they can take up to 45 days to finish.

Re: Flat out ABSURD!

happy0510 — Wed, 12 May 2010 21:34:55 GMT

@Anonymous wrote:
Depending on how you disputed, they can take up to 45 days to finish.

online.

Re: Flat out ABSURD!

Anonymous — Wed, 12 May 2010 23:15:48 GMT

If you went through annual credit reports to get the reports it is 45 days. If you went directly to their site it is 30 days.

Re: Flat out ABSURD!

RobertEG — Thu, 13 May 2010 04:40:37 GMT

I would work hard with daily calls to the OC, and have them first verify the date of closing of the account. You cant have monthly, posted lates on a closed account.

So any lates reported after closing of the account are clearly erroneous. On top of that, you have evidence of payment of the debt prior to the dates of reported lates. You cant be late of an account with no debt! Duh!

This makes their reporting doubly incorrect. Any OC should recognize this blatant reporting error. Talk to a supervisor.

If you get no where with them, then your recourse is to dispute with the CRAs, but as has been said, this will place the account, until the dispute is resolved, under disputed status. This may harm any final approval by the mortgage lendor until the dispute is resolved. Lendors of major chunks of cash dont like to make final commitments when your FICO status is unresolved.

Mortgage pre-approval letters are certainly very helpful in the home buying process, for they tell the potential seller that you have been pre-screened by a potential lendor, at some date, and have been considered as likely to qualify for final loan approval at the amounts specified. But it is not a final and binding lending commitment.

Re: Flat out ABSURD!

happy0510 — Thu, 13 May 2010 16:39:35 GMT

I went to the sites directly. I got an email from EQ today stating they are still working on it...blahblahblah..

Yes, and all 3 show different late reporting dates. It's so weird!! After it was paid off boggles my mind.

I'll keep up with them.

MY LO knows EVERYTHING....she put us through AU already as well.

We will def. have to re-pull after 6-17-10 though no doubt about it.

I won't have her pull until this is resolved.

Re: Flat out ABSURD!

happy0510 — Thu, 13 May 2010 22:30:00 GMT

Here's the reporting info on one:

Account History:
30 days past due as of Jun 2009, May 2009

Balance History:
10/2009 $0
09/2009 $0
08/2009 $0
07/2009 $0
06/2009 $0
05/2009 $0
04/2009 $0
03/2009 $0
02/2009 $0
01/2009 $0
12/2008 $0
11/2008 $0
10/2008 $0
09/2008 $0
08/2008 $0
07/2008 $0
06/2008 $0
05/2008 $0

Re: Flat out ABSURD!

happy0510 — Fri, 21 May 2010 19:21:14 GMT

Results are in on one:

Experian -----------------> deleted

This is ok since it was opened at the same time with a whole bunch of other CC's.

It was also reporting the newest lates. All the other's are 2 years old.

Waiting for TU & EQ results!!

Re: Flat out ABSURD!

happy0510 — Mon, 24 May 2010 15:43:47 GMT

Equifax-------------> deleted

TU is lagging!

Today is the 14th day since I disputed.

Re: Flat out ABSURD!

Anonymous — Tue, 25 May 2010 19:42:50 GMT

I wouldn't wait until your loan was completed. I would call Citi, ask for an Account Manager, and then tell them what happened. They have a Credit Dispute Department you can speak with about it, as well. They can affect changes to the report in less than 48 hours, if pushed. Also, I had some luck with an issue when I contacted the CitiBank Credit Card Executive Office. Their number is: 605-331-7267

Re: Flat out ABSURD!

happy0510 — Thu, 27 May 2010 15:57:56 GMT

TU------------> deleted

Success!!

From start to finish 17 days for all 3 CRA to complete my online investigation.

Happy

Re: Flat out ABSURD!

Anonymous — Thu, 27 May 2010 19:11:55 GMT

Nice work happy0510.

So, I just noticed that it is, in fact, 05/10. So, is this your month? Or has someone already asked that?

Re: Flat out ABSURD!

happy0510 — Thu, 27 May 2010 19:52:42 GMT

@Anonymous wrote:
Nice work happy0510.

So, I just noticed that it is, in fact, 05/10. So, is this your month? Or has someone already asked that?

Thanks Beam! Awwwwwwwe...now wouldn't that be nice? Actually my "month" is March 2011!! Which is also my "rebucket month"

Will be here awhile! Lol

No relevance!! I'm tempted to change it now