Status Question

[Anonymous]

Hi,

My CC shows the status:

On TU:
Paid or paying as agreed

on EQ:
Pays account as agreed

ON EX:
Current account/was delinquent 120 days past due date
Account also shows here as inactive.

Balance is 0.
I increased cl from $6000 to $7200.

What should I do to correct the EX status?

Thanks.

[Anonymous]

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creditwizard2 wrote:

ON EX:
Current account/was delinquent 120 days past due date
Account also shows here as inactive.

Balance is 0.
I increased cl from $6000 to $7200.

What should I do to correct the EX status?

---

Were you really 120 days late on this account in the past?  If so, the status is correct, even if it's currently up to date on payments.

Use the card and let a small balance report on it to take it out of inactive status.

[MidnightVoice]

---

creditwizard2 wrote:
Hi,

My CC shows the status:


ON EX:
Current account/was delinquent 120 days past due date
Account also shows here as inactive.

Balance is 0.
I increased cl from $6000 to $7200.

What should I do to correct the EX status?

Thanks.

---

Is it incorrect?

[Anonymous]

---

@Anonymous wrote:

---

Were you really 120 days late on this account in the past? If so, the status is correct, even if it's currently up to date on payments.

Maybe ;-) It was 4 years ago now.

Don't the three CRAs records have to match up. This seems like an inconsistency.

-D

[Anonymous]

creditwizard2 wrote:

Maybe ;-) It was 4 years ago now.

Don't the three CRAs records have to match up. This seems like an inconsistency.

-D

No, they don't have to match up.  If you really were 120 days late in the past, EX is correct.  Just be glad that TU and EQ aren't reporting that, as well.

Notice the status says "Current" (meaning it's currently current) and "Was 120...blah blah blah" (past tense).

[Anonymous]

---

@Anonymous wrote:

@Anonymous wrote:

Maybe ;-) It was 4 years ago now.

Don't the three CRAs records have to match up. This seems like an inconsistency.

-D

No, they don't have to match up. If you really were 120 days late in the past, EX is correct. Just be glad that TU and EQ aren't reporting that, as well.

Notice the status says "Current" (meaning it's currently current) and "Was 120...blah blah blah" (past tense).

---

GW letter? Anything I can do besides wait?

For this one, I'm most concered with the human review versus the actual fico score.

Thanks.