30 days past due

[Anonymous]

If the status of an account says 30 days past due but it does not show in the history, for example 7/05, will this effect your credit score or does it have to have a late in the history such as a month and year?  I have an account that was never late but shows 30 days past due in the status. 

[fused]

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Geenie wrote:

If the status of an account says 30 days past due but it does not show in the history, for example 7/05, will this effect your credit score or does it have to have a late in the history such as a month and year?  I have an account that was never late but shows 30 days past due in the status. 

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Can you paste the info in your next post? Are you saying you never paid this account late but it's reporting you did back in 2005?

[Anonymous]

This account has been closed since May of 2006 and paid off, but yet it states it is 30 days past due with no past due amount.  I am in the process of disputing the late.  Can this effect my credit score with the 30 days past due plus the 30 day lat payment?

Toyota Motor Credit Status as of May 2006

Date opened [?] Jul, 2004 Date of last activity [?] May, 2006 Date closed [?] May, 2006 Account number [?] XXXXXXXXXXXXX0001 Account type [?] Automobile Credit limit [?] Not Reported Largest past balance [?] $35,625 Terms [?] 72 Monthly Credit Type [?] Installment Account Account holder [?] Joint Account Scheduled payment amount [?] $0

Descriptions [?]

• Closed

Contact Information [?]

19001 S Western Av
Torrance, CA 90501

Balance [?] Current Status [?] Past Due Amount [?] $0 30 days past due $0 Seven year payment history [?] 30 days late 1 time (Mar 2005) 60 days late 0 times 90+ days late 0 times Recent payment history [?] 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 2004 2005 2006 Legend: Not Open Unknown Currently paid as agreed 30 days late

[fused]

Ok I see it. Do you have proof it was paid on time? Cancelled check, etc.? Is this reporting on all 3 of your reports?

[Anonymous]

I do have proof.  It is reporting on Tr and Eq only.

[fused]

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Geenie wrote:

I do have proof.  It is reporting on Tr and Eq only.

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Dispute it as inaccurate. You will need to furnish the CRAs with your documentation.

[Anonymous]

Does saying it is 30 days past due effect your credit score?

[fused]

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Geenie wrote:

Does saying it is 30 days past due effect your credit score?

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Yes! More so if it's recent, less so as years pass. Dispute as inaccurate. Which CRA is this? FYI, closed and open accounts are scored and weighed equally so it is not good to have a closed TL with a baddie.

[Anonymous]

Do you think if I had this adverse information (the 30 days past due and the 30 day late removed) would my credit score go up significantly with no other baddies?

[fused]

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Geenie wrote:

Do you think if I had this adverse information (the 30 days past due and the 30 day late removed) would my credit score go up significantly with no other baddies?

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I would like to yes but it's hard to say. How many points are you hoping for?