topic Re: Derogatory description inaccurate - How can creditor correct without resetting the DOFD? in Rebuilding Your Credit

Derogatory description inaccurate - How can creditor correct without resetting the DOFD?

tiff — Mon, 02 Jun 2008 02:27:03 GMT

I was wondering how I can have a creditor update an account they have incorrectly reported without resetting the DOFD. Can this be done? It's being reported as paid with Experian, but is listed as Derogatory with Equifax and Transunion.

I paid the account in 5/2006. They never updated.

Re: Derogatory description inaccurate - How can creditor correct without resetting the DOFD?

Anonymous — Mon, 02 Jun 2008 02:45:46 GMT

tiff wrote:

I was wondering how I can have a creditor update an account they have incorrectly reported without resetting the DOFD. Can this be done? It's being reported as paid with Experian, but is listed as Derogatory with Equifax and Transunion.

I paid the account in 5/2006. They never updated.

They can update the account to report accurately without resetting the DOFD.

The DOLA may be changed and date reported.

Re: Derogatory description inaccurate - How can creditor correct without resetting the DOFD?

tiff — Mon, 02 Jun 2008 02:54:12 GMT

Will this decrease my score?

i'm trying to find a way to correct this without lowering my score.

Re: Derogatory description inaccurate - How can creditor correct without resetting the DOFD?

tiff — Mon, 02 Jun 2008 02:56:40 GMT

....The DOLA may be changed and date reported.

Please explain...I'm not familiar with the process and I'm not quite sure if I understand you.