Got my latest credit report yesterday and have been pouring over it with a fine tooth comb and noticed some issues with they way Experian is reporting my charge-offs.
I have about 3-4 charge-offs (Cong Fed Credit Union, Home Depot Credit Card, other cards, etc) which had no lates up until the time of my filing for bankruptcy (June of 2019). Experian lists them as CO for 6/2019, but they also list them as 90 days late. I have no idea how that is possible when for instance, with one card, they show my payments in March, April, May as "OK" (meaning not late) and then the CO in June, but then in the older derogatory events section, list 6/2019 as 90 days late.
Is this something that is a quirk for Experian or should I dispute this? The issue is that for 4 out of the 5 accounts, they only are showing up under Experian (TU and EQ are not reporting information). I don't mind the CO (since that's accurate) but don't feel I should be penalized further for 90 day lates when in fact they weren't 90 day lates.
dispute in writing via Certified Mail the account as inaccurate reporting... it may just be removed entirely
+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500 Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU