topic Re: recent delete... in Rebuilding Your Credit

recent delete...

Anonymous — Thu, 01 May 2008 17:06:02 GMT

Well... my CR is now showing that I only got 1 CO ... I have removed 1 CO from my CR about 7months before it would drop off from ALL 3 REPORTS NOW ... heh better then having to wait.

My latest CO and ONLY CO is from 2004, which is making it very hard in getting a CC because it CO in 2004/4 but they have reported account LATE 120days x20 (months) till 2007/8 (when CA paided OC)... I'm trying to dispute this and hopefully get to report only CO and not CO+20 120days late.. wierd is only EQ reporting those lates and EX only reporting 1 from 2004... lol EQ hates me ;(

Do you think in 2009/8 those lates will have little less effect on me??? Also next year if I get denied CC... I should be able to explain the CO and Lates only from 1 account and maybe they have pitty on me.. lol

Re: recent delete...

BungalowMo — Thu, 01 May 2008 17:13:11 GMT

You only show 1 CO & they won't give you a card?? That doesn't seem right...

Oh, BTW....EQ hates everybody! From what I've seen, they consistantly give people lower scores. Maybe it's because most (potential) creditors use them to check ya. Which, in turn, gives you more inq & lower score.

Re: recent delete...

Anonymous — Thu, 01 May 2008 17:18:37 GMT

well I havent apply for new CC yet cause my 1 CO came off EX and EQ yesterday and then TU today.. and funny thing....... I recieved a GW answer from them telling me it will fall off report from 3/2002 +7year thank you... so this was a suprise

but as for CC...... I'm thinking about waiting alittle while and raise my score more

I'm about at 12% util now and it hasnt hit report yet.. and looking at my report only EQ the worst cause of those lates.. so maybe next year????? AMEX? =X

Re: recent delete...

BungalowMo — Thu, 01 May 2008 17:29:28 GMT

If you don't need a cc right now...let it go for awhile. You'll end up with a better rate too. I know several years ago mine was a mess. 2 fairly large collections ...I was bummin! I called both & set up payments & 3 years later...just playing the waiting game for mine to drop off too!

Congrats on those that did go away! It's a great feeling, seeing those gone...right up there with getting a raise!

Re: recent delete...

Anonymous — Thu, 01 May 2008 17:45:24 GMT

now im just working on my CA which I got double post and 1 CA that dont own and 1 i sent PFD... so if everything work out then maybe some of my CR will either have 1 CA or 0 CA.. but in dec/2008 the one with double should drop auto... and the pfd one drop in 2/2009 so hopefully they take payment

other then that ill be clean ;p except for 1 CO

Message Edited by antsmith101 on 05-01-2008 10:45 AM

Re: recent delete...

Anonymous — Thu, 01 May 2008 17:50:13 GMT

I COULD HAVE SWORN THAT A CO CAN NOT REPORT AS LATE...IT'S ALREADY IN COLLECTIONS...I WOULD DISPUTE...

Re: recent delete...

Anonymous — Thu, 01 May 2008 17:53:10 GMT

I hope you are correct... I have dispute but they come back as verified.. so i'm sending at a mail with modified MOV letter.

Re: recent delete...

Anonymous — Thu, 01 May 2008 17:56:08 GMT

YOU SHOULD ALWAYS DOUBLE CHECK...BUT I CALLED EX THE OTHER DAY BECAUSE I HAD LATES SHOWING ON MYFICO CREDIT REPORT...BUT NOT ON MR TRUECREDIT REPORT...AND SHE SAID THERE WAS NO LATES ON THE COLLECTION BECAUSE THERE CAN'T BE ANY LATES ON A COLLECTION...I ALSO CALLED THE CA AND THEY SAY...ALL THEY DO IS REPORT...SO IT WILL BE THE CRA FAULT IF IT'S SHOWING AS LATE...SO IS THIS SHOWING ON ANOTHER REPORT OR MYFICO REPORT...SOMETIMES THEY ARE INCORRECT...

Re: recent delete...

Anonymous — Thu, 01 May 2008 18:06:09 GMT

On myFICO and also TrueCredit are both reporting it with late but what confuse me is TU and EX are saying ChargeOFF (CO) but on EQ it is reporting as Collection/ 120days past due.

EQ:

Recent payment history [?]

4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3

2006 2007 2008 Legend: Currently paid as agreed 120 days late

EX:

Paid account/was a collection account, insurance claim or government claim or was terminated for default

Recent payment history [?] 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 2005 2006 2007 Legend: Unknown Currently paid as agreed Collection

This what reported on EQ and EX... TU has same as EX but earlier Collection date from 2004

Message Edited by antsmith101 on 05-01-2008 11:05 AM

Message Edited by antsmith101 on 05-01-2008 11:06 AM

Re: recent delete...

Anonymous — Thu, 01 May 2008 18:07:30 GMT

hmmm maybe this why??? EQ is reporting

Account status [?] Account is Open

Re: recent delete...

Anonymous — Thu, 01 May 2008 18:13:44 GMT

WHAT IS THE DOLA...FOR THIS ACCOUNT...IS IT A CHARGE0OFF...I KNOW SOME OF MY CHARGE-OFFS APPEAR AS CHARGE-OFF/COLLECTION...AND THERE ARE LATES...BUT LATES SHOW UP BECAUSE ITS A CHARGE-OFF...WAS THIS A CREDIT CARD...OR IS THIS A CA REPORTING...IF IS THE OC...AND A CHARGE-OFF..THEN THE LATES WILL REMAIN...UNTIL THE ACCOUNT FALLS. OFF...

Re: recent delete...

Anonymous — Thu, 01 May 2008 18:22:36 GMT

EQ reporting LDOA is
Date of 1st

Delinquency

06/2004

Date of Last Activity is blank

This was a Loan from government for school. the mgib

Ya this is OC reporting cause the CA that I paided off I gone now from CR.

Message Edited by antsmith101 on 05-01-2008 11:22 AM